Selecting a car insurance company in Williston, ND can be time consuming since there are a lot of options and picking a good North Dakota insurance agency is more difficult than just making a phone call. You need a good professional insurance agent, and also cheaper car insurance prices.
Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with ad campaigns and it can be hard to ignore the propoganda and take the time to shop coverage around.
Price shop online but buy from a local Williston agent
Professional agents can help determine the best coverages and give you someone to call. One of the best bonuses of price shopping on the web is you may find lower rates and still have an agent to talk to.
Upon completion of this quick form, the coverage information gets sent to companies in Williston who will battle to get your business. You won’t need to leave your computer due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! It’s the lowest rates AND an agent nearby.
Selecting a car insurance agent shouldn’t rely on just the price. Here are some questions to ask:
- How are they compensated?
- If you have an accident, will your rates go up?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
The type of insurance agency you choose is important
When finding local Williston agents, you must know there are a couple types of insurance agents to choose from. Agents are classified as either independent (non-captive) or captive.
Captive Insurance Agents
Captive agents can only place business with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They are unable to compare other company’s rates so always compare other rates. They are trained well on their company’s products which helps them compete with independent agents.
Below are Williston captive agencies who may provide you with comparison quotes.
Farmers Insurance Group – 1412 2nd Ave W # 3 – Williston, ND 58801 – (701) 572-3719
American Family Insurance – 201 26th St E – Williston, ND 58801 – (701) 572-4663
Nodak Mutual/Farm Bureau – 201 26th St – Williston, ND 58801 – (701) 774-0597
Allstate Insurance Co – 2321 2nd Ave W – Williston, ND 58801 – (701) 577-6745
Independent Agencies or Brokers
These agents are not locked into one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When comparing rates, it’s recommended you contact at least one independent agent to get the best comparison.
Below are independent agencies in Williston that can give you comparison quotes.
Wes Larson Insurance – 1415 W Dakota Pkwy – Williston, ND 58801 – (701) 577-9850
Eynon Agency – 501 E Broadway – Williston, ND 58801 – (701) 572-0017
Krabseth Agency – 23 S Main St – Williston, ND 58801 – (701) 572-2210
Fee Insurance – 12 E Broadway – Williston, ND 58801 – (701) 572-9038
Williston Insurance Agency Inc – 22 2nd St W – Williston, ND 58801 – (701) 572-8331
For a complete listing of Williston insurance agents, visit this link.
After receiving satisfactory answers to your questions and an acceptable price quote, you have narrowed it down to an auto insurance agent that is a good match to properly insure your vehicles.
Buying direct is an option
Car insurance agents are a valuable resource, but you also have the option of buying North Dakota car insurance direct from companies that only sell online. Even companies like State Farm and Allstate who have local agents in Williston also give you the option to get quotes and purchase online, and that is helpful if you don’t want to take the time to contact agents.
If you’re uneasy about not receiving proper advice when buying car insurance direct, this is a normal reaction for first-time shoppers. Insurance companies provide toll-free numbers to answer your questions.
Do customers save by switching to an online company? That is a tough question to answer because there are so many things which can raise or lower premium rates. Common logic is that buying directly from the company saves money by not requiring a commission. For most online online companies, however, promoting brand recognition is pricey and that impacts the rates consumers pay.
For more reading
More tips and info about car insurance can be read at the North Dakota Insurance Department website. Consumers can file complaints about an insurance agent or broker, read state legal mandates and laws, read enforcement actions against agents and companies, and find a variety of consumer forms.
The following articles may also be useful.
Smart consumers save more
Drivers leave their current company for a variety of reasons including policy non-renewal, denial of a claim, high rates after DUI convictions and even questionable increases in premium. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.
The cheapest car insurance is available online as well as from independent agents in Williston, so you should compare both to have the best chance of lowering rates. Some car insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.