Mankato Auto Insurance Agents – How to Find the Right One

If you’re trying to find a good Mankato agent, you can do an initial search on the internet rather than looking in the yellowpages. There is a good chance you require not only a friendly agent, but you also want great rates as well.

With State Farm, Allstate and Farmers Insurance all competing for your business, consumers have a hard time knowing which will provide the best rates, service and coverage. Thankfully, you can use online price quotes in order to build a list of agents to choose from.

Local Mankato auto insurance agents

Agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of comparing insurance prices online is you can get better rates and still have an agent to talk to. And supporting small agencies is especially important in Mankato.

By using this form (opens in new window), your insurance data is immediately sent to companies in Mankato who will battle for your business. You don’t have to visit any agencies since price quotes are sent straight to your inbox. How’s that for easy! Get lower rates and work with a local agent.

The different types of insurance agents

When searching for an insurance agent, you must know there are a couple types of agencies from which to choose. Agents are classified as either captive or independent.

Independent Insurance Agents

These agents are not employed by any specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When searching for an agent, you should always contact at a minimum one independent agency to get the best comparison.

Shown below is a short list of independent insurance agents in Mankato that can give you competitive price quotes.

Peterson Agency – 908 N 2nd St – Mankato, MN 56001 – (507) 345-1122
James R Weir Insurance – 208 N Broad St – Mankato, MN 56001 – (507) 387-3433
Beadell Agency Inc – 951 E Madison Ave – Mankato, MN 56001 – (507) 625-5379
Matthew Barnes Agency – 710 S 2nd St – Mankato, MN 56001 – (507) 388-2968
Willard and Williams Insurance – 220 E Jackson St – Mankato, MN 56001 – (507) 345-4587

Captive Insurance Agents

Captive insurance agents can only write with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. They are unable to give you multiple price quotes so always compare other rates. These agents are trained well on their company’s products which helps them compete with independent agents.

Below are Mankato captive insurance agencies willing to provide price quotes.

American Family Insurance – 79 Navaho Ave – Mankato, MN 56001 – (507) 625-7101
Farmers Insurance Group – 821 N 2nd St # 201 – Mankato, MN 56001 – (507) 625-3306
State Farm Insurance – 1215 N Riverfront Dr # C – Mankato, MN 56001 – (507) 345-3606
Allstate Insurance – 117 E Hickory St # 101 – Mankato, MN 56001 – (507) 344-1980

To view a full list of captive agents in Mankato, click here to link.

Selecting an insurance agent shouldn’t rely on just the premium amount. Agents should be asked these questions:

  • Can they give you a list of client referrals?
  • Are you getting all the discounts the company offers?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How long has their agency been in business in Mankato?
  • What insurance companies do they work with?

Once you have reasonable responses to all your questions in addition to an acceptable price estimate, most likely you have located an insurance agency that can insure your vehicles.

Also consider buying auto insurance direct

Local insurance agents are important to many people, but Minnesota drivers can also buy direct online. Certain companies like Allstate and State Farm who have local agents in Mankato also let you buy a policy online, and consumers should do that.

If you’re worried about not having an agent to talk to when shopping online, don’t be too concerned. Online insurance companies have customer service departments for customer questions. Also available are live help and an extensive research center that can help answer basic questions.

Does buying online save money? That is a tough question to answer because there are many factors that influence the price you pay. It would make sense to think that going direct saves by not paying a commission. For most companies selling online, however, the cost of constant advertising is expensive so there may not be significant savings.

If you’re not set on any one company, the best way to find out if prices are better online or from an agent is to get rates from both and compare them. It’s fairly common that you receive different coverage costs when comparing agent prices to online quotes for the identical company.

Mankato Minnesota independent agents

One last thing

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Drivers who switch companies do it for many reasons like policy non-renewal, questionable increases in premium, extreme rates for teen drivers and even policy cancellation. Regardless of your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

More information is located on the website for the Minnesota Department of Commerce located here. Minnesota drivers can file complaints about a company, view agent and company licensing information, and view a list of available companies.

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