Lowest Prices from Yankton Auto Insurance Agents

If you’re looking for an insurance agent in Yankton, SD, you can always do an initial search by getting online comparison quotes rather than picking up the phone. You need a professional agent, and also want to find cheaper auto insurance prices.

Drivers have multiple auto insurance agents to insure vehicles with, and though it is a good thing to have a choice, it can be more challenging to adequately compare rates.

Local Yankton auto insurance agents

Professional agents can point out coverage gaps and help you file claims. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates but also keep your business local.

Once you complete this quick form, your insurance data is sent to local insurance agents who will give you bids for your insurance coverage. There is no need to leave your computer due to the fact that quote results will go to the email address you provide. Now that’s easy!

Picking a car insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What insurance companies do they recommend if they are an independent agent?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do the companies they represent have a solid financial rating?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Do you need an independent or captive auto insurance agent?

When finding a reputable insurance agent or broker, you need to know there are two types of agencies from which to choose. Yankton agents are either independent (non-captive) or captive. Both types can write coverage properly, but it’s good to learn the differences since it can impact the selection process.

Captive Insurance Agents

Captive insurance agents can only place business with one company and examples are AAA, Allstate and State Farm. They are unable to compare other company’s rates so keep that in mind. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Shown below are Yankton captive insurance agents that are able to give price quotes.

American Family Insurance – 413 W 15th St – Yankton, SD 57078 – (605) 665-4231
Farm Bureau Insurance – 603 W 21st St – Yankton, SD 57078 – (605) 665-8343
Farmers Insurance Group – 2006 Locust St – Yankton, SD 57078 – (605) 665-5476
State Farm Insurance – Jackson and 9th – Yankton, SD 57078 – (605) 665-4718

Independent Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with many different companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part.

When comparing rates, we recommend you include price quotes from multiple independent agents to ensure the widest selection of prices.

Below are independent insurance agencies in Yankton that are able to give price quotes.

Kevin Guthmiller Agency – 413 W 15th St – Yankton, SD 57078 – (605) 665-4230
Mark Giziewski Agency – 603 W 21st St – Yankton, SD 57078 – (605) 665-8343
Farm Bureau Insurance – 603 W 21st St – Yankton, SD 57078 – (605) 665-8343
M T and Rc Smith Insurance Inc – 306 Walnut St – Yankton, SD 57078 – (605) 665-3611
Kevin Guthmiller Agency – 413 W 15th St # 106 – Yankton, SD 57078 – (605) 665-4230

To view a full list of Yankton insurance agents, visit this site.

Once you have received positive responses for all questions you ask and a good coverage price, you may have just found an insurance agent that meets your needs to properly service your auto insurance policy.

Is buying direct online an option?

Auto insurance agents are important, but you also have the option of buying direct from companies online. Some companies who sell through agents in Yankton also allow consumers to buy online, so that should be considered if you prefer not to work with an agent.

If you’re anxious about choosing your own coverages when buying online, that shouldn’t be an issue. Car insurance companies provide customer service you can use to get advice on coverages. In addition, they usually offer live help and an extensive research center to make it easier to purchase.

Can you save money buying online? It’s difficult to say for sure because there are many factors that are calculated into your premium. It’s logical to say that a shopper who purchases direct reduces premiums because there is no agent. But that assumption is generally incorrect because there are very high advertising costs so this can offset any savings.

The only method to determine who has the best rates, online companies or local insurance agents, is to get price quotes for both. Even though it sounds odd, people frequently get different pricing from the exact same provider depending on where you get the price quote from.

South Dakota agents

More effort can pay off

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. Too many times, someone dropped liability limits or collision coverage only to discover later that they should have had better coverage. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Consumers who switch companies do it for many reasons like policy cancellation, an unsatisfactory settlement offer, denial of a claim or even high prices. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

Additional detailed information is located at the South Dakota Division of Insurance website. Consumers can find out industry alerts, file complaints about a company, and find out which companies have the most complaints.

The articles below may also help you learn more about auto insurance in Yankton