Selecting a auto insurance company in Mitchell, SD can be time consuming since finding the best South Dakota auto insurance agent is not as easy as just making a phone call. You require a professional agent, and also want to find cheap rates.
You have so many insurance agents to insure vehicles with, and although it’s a good thing to have multiple companies, having more insurance agencies makes it harder to compare company pricing.
How to buy auto insurance from an agent in Mitchell
Professional agents can answer important questions and help you file claims. One of the great benefits of comparing insurance prices online is you can get the best rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), your information is immediately sent to insurance agents in Mitchell who will return price quotes for your coverage. You won’t need to visit any agencies due to the fact that quote results will go to the email address you provide. Now that’s easy! You can find better rates AND a local agent.
Picking an insurance agent needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:
- Is assistance available after office hours?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which company do they place the most coverage with?
- Are claims handled at the agent’s location?
- How long has their agency been open in Mitchell?
- What will you get paid if your car is a total loss? How is that amount determined?
Different types of Mitchell car insurance agents
When researching a good Mitchell insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Mitchell can either be captive or independent.
Agency Captives
Captive agencies can only place business with one company like American Family, Liberty Mutual and AAA. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. They are well schooled in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives primarily because of the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agents in Mitchell willing to provide comparison quotes.
- American Family Insurance – 411 S Ohlman St – Mitchell, SD 57301 – (605) 996-1594
- State Farm Insurance – 1414 N Main St – Mitchell, SD 57301 – (605) 996-3611
- Farm Bureau Insurance – 114 E 1st Ave – Mitchell, SD 57301 – (605) 996-4099
- Farmers Insurance Group – 106 W 5th Ave – Mitchell, SD 57301 – (605) 996-0088
Independent Insurance Agents
Independent agencies are not required to write business for one company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, you should always get quotes from several independent insurance agents for maximum quote selection.Most can insure with smaller companies who may have lower rates.
Listed below are independent insurance agencies in Mitchell willing to provide rate quotes.
- Guymon Agency – 712 S Sanborn Blvd – Mitchell, SD 57301 – (605) 996-7132
- Ron Beukelman Insurance – 708 N Sanborn Blvd – Mitchell, SD 57301 – (605) 996-5181
- Reginald Martin Agency – 510 W Havens St – Mitchell, SD 57301 – (605) 996-5881
- Ray Feldman Agency – 106 W 5th Ave – Mitchell, SD 57301 – (605) 996-9832
- Martin Insurance – 1531 W Elm St # 2 – Mitchell, SD 57301 – (605) 996-3106
For a complete listing of Mitchell insurance agents, please view this page.
Once you have good answers to all your questions and a low price estimate, you’ve probably found an insurance agent that is a good match to service your policy.
Online companies can help you save
Local insurance agents are important to many people, but you also have the option of buying South Dakota car insurance direct over the internet. A few companies like State Farm and Allstate who sell through agents in Mitchell additionally provide the ability to buy a policy online. This is something to consider.
If you’re worried about whether or not you’ll have guidance when buying car insurance direct, don’t sweat it. All companies all have toll-free customer service that you can contact for information. Most companies also provide live chat and online tools so buying online is not difficult.
Does it save money buying online? The answer is complex because there are a lot of things that can increase policy rates. Many people think that buying direct cuts out the middleman. For most online online companies, however, it’s expensive to advertise and that can cost more than having to pay agents.
Smart shoppers get results
Affordable auto insurance is possible on the web as well as from independent agents in Mitchell, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.
As you prepare to switch companies, you should never reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best price.
More sites with auto insurance information
More detailed South Dakota auto insurance information can be found at the South Dakota Division of Insurance website. Consumers can get help finding coverage, learn about specific coverages, find disaster information, and discover disciplinary actions.
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