Comparing car insurance companies in Livingston, MT can be challenging because there are a lot of options and picking a good Montana insurance agency is more difficult than just calling the closest agent. Consumers need a great agent that can assess your needs, and also want to find the best possible rates.
Many auto insurance agents vie for your business, and because of this it can be hard to compare insurance agencies to discover the definitive lowest rate
Buying car insurance locally
Licensed agents can point out coverage gaps and help you file claims. One of the best bonuses of price shopping on the web is that you can obtain the best rates and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to agents in your area who will compete for your coverage. There is no need to leave your house because quoted prices will be sent immediately to your email address. How cool is that?! You can find better rates without the usual hassles of price shopping.
Picking a car insurance agent requires more thought than just a cheap price. These are valid questions to ask:
- Are claims handled at the agent’s location?
- Do they make recommendations based only on price?
- How are claims handled?
- Do they specialize in personal lines coverage?
- Will their companies depreciate repairs to your car based on the mileage?
The difference between Livingston insurance agents
When looking for a local agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agencies in Livingston are classified as either independent or captive.
Captive Insurance Agents
Captive agents can only write with one company and examples are State Farm or Allstate. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. They are well schooled in insurance sales and that can be a competitive advantage.
Independent Insurance Agents
Independent agencies are not locked into one company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, we recommend you include multiple independent agents to ensure the widest selection of prices.
Listed below is a short list of independent agents in Livingston willing to provide comparison quotes.
Key Insurance – 123 W Lewis St – Livingston, MT 59047 – (406) 222-0944
KLIMEK Insurance – 106 N 2nd St – Livingston, MT 59047 – (406) 222-5265
For a full directory of licensed insurance agents in Livingston, visit this link.
After receiving reasonable responses to all your questions as well as a affordable price, most likely you have located a car insurance agent that meets your needs to properly service your car insurance policy.
Can I save by cutting out the agent?
Auto insurance agents are perfect for certain consumers, but Montana consumers also have the option to buy direct from companies online. A few companies like State Farm and Allstate who have local agents in Livingston also give you the option to buy a policy online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re uneasy about not receiving proper advice, this is normal but is quickly overcome. Auto insurance companies that require consumers to choose their own coverages provide options for customer questions.
Do online companies have better rates? That is a tough question to answer because there are many factors that can increase policy rates. Common sense would say that buying car insurance online saves by not paying a commission. In reality, promoting brand recognition is pricey and that can quickly cost more than paying an agent.
The best way to determine who has the best deal, local agents or online insurance companies, is to take the time to compare rates from both. You may actually get a different price when quoting both agents prices and online prices from the SAME company.
Additional detailed information can be read at the Montana Commissioner of Securities and Insurance website. Visitors are able to discover disciplinary actions, learn about insurance regulations, and read industry bulletins.
These articles may also be worth reading.
- Livingston, MT Auto Insurance Buying Tips You Arent Supposed to Know
- Uncover Consumer Tested Strategies to Save on Livingston, MT Car Insurance
What is YOUR best insurance company?
Consumers leave their current company for a variety of reasons including poor customer service, high prices, delays in responding to claim requests or extreme rates for teen drivers. Whatever your reason, finding the right car insurance provider is easier than you think.
When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone dropped physical damage coverage only to regret at claim time that it was a big error on their part. Your aim should be to find the BEST coverage for the lowest price, not the least amount of coverage.