When shopping for auto insurance, choosing the right Maple Grove insurance agency is harder than just driving to the closest agent’s office. You require a competent insurance agent, and also want to find the cheapest rates you can possibly find.
Big-name insurance companies like Progressive, State Farm and Geico all promote huge savings with ads and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.
Online quotes help locate Maple Grove agents
Professional agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing rates online is you can get better rates and still have an agent to talk to.
After filling out this form (opens in new window), your insurance data is emailed to local insurance agents who will battle to get your business. You won’t need to visit any agencies because quoted prices will be sent immediately to your email address. How cool is that?!
Selecting an insurance agency needs to be determined by more than just a cheap price. These questions are important to ask:
- How long have they worked with personal auto insurance coverage?
- Do they feel the quoted coverages are adequate?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How much will you save each year by using a higher deductible?
If you wish to view licensed agents in Maple Grove, go to this page.
After getting acceptable answers to these questions as well as a affordable price, you may have just found an insurance agent that will adequately provide auto insurance.
What if I want to buy from an online company?
Local insurance agents are indespensible for some people, but you also have the option of buying Minnesota car insurance direct from companies online. Some companies like Allstate and State Farm who have local Maple Grove agents also give you the ability to buy direct on their websites, so this should also be taken into consideration if the lowest rate is your goal.
If you’re apprehensive about not getting advice from an agent when buying car insurance direct, don’t sweat it. Insurance companies that require consumers to choose their own coverages provide options you can use to get advice on coverages. Most companies also provide help pages and frequently asked questions to clarify any questions you may have.
When trying to find the best rates, the only way to determine where you can get the lowest rate, either online or from agents, is to get price quotes for both. It’s fairly common that you receive different coverage costs from the same insurance company when they use both methods.
Do online companies have better rates? Whether or not you’ll save is impossible to say due to the fact that there are many factors that influence your rates. You may think that going direct cuts out the middleman. For most companies selling online, however, advertising budgets are huge and those expenses can offset most of the savings by selling direct.
Consumer auto insurance information in Minnesota
More detailed Minnesota auto insurance information is located at the Minnesota Department of Commerce website. Consumers can read enforcement actions against agents and companies, find out industry alerts, learn about insurance regulations, and file complaints about an insurance agent or broker.
The following articles may also be useful.
- 8 Ways to Pay Lower Car Insurance Prices in Maple Grove, MN
- 7 Must-Know Techniques When Shopping for Maple Grove Minnesota Auto Insurance
Online plus local equals savings
Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, delays in paying claims and not issuing a premium refund. Regardless of your reason, finding a great new company is easier than you think.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped collision coverage only to regret at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.