Finding good car insurance in Grafton can be challenging since you have many choices and finding the best North Dakota insurance agent is not as easy as just driving to the closest agent’s office. It’s assumed you not only want a good agent, but you also want to find affordable coverage.
With companies like State Farm, Allstate and Farmers Insurance having local Grafton offices, consumers have a hard time knowing which will give you the best rates, service and coverage. Fortunately, consumers can use online quotes to assemble a group of insurance agencies to choose from.
Local Grafton car insurance agents
Insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing rates online is you may find the best rates but still work with a licensed agent. And providing support for small agencies is especially important in Grafton.
After completing this short form, your insurance data is transmitted to agents in your area who will battle for your insurance coverage. You don’t have to leave your computer as quotes are delivered immediately to your email address. How cool is that?!
The following is a short list of auto insurance agents in Grafton who can help you get price quote information.
- Jo Petersen Insurance – 800 Hill Ave, Grafton, ND 58237 – (701) 352-0791
- Nodak Mutual Insurance – 860 W 12th St, Grafton, ND 58237 – (701) 352-1050
- Farm Bureau Nodak Mutual Ins – Highway 17 W, Grafton, ND 58237 – (701) 352-1050
To view a complete directory of licensed insurance agents in Grafton, simply jump to this page.
Choosing an insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:
- Do they regularly work with personal auto policies?
- Are they full-time agents?
- Who is covered by the car insurance policy?
- Do they review policy coverages at every renewal?
- How are they compensated?
Once you have received good answers for all questions you ask and an acceptable price quote, you have narrowed it down to an insurance agent that will adequately provide car insurance.
What about online companies that don’t have local agents?
Car insurance agents can be invaluable at times, but North Dakota drivers can also buy direct from companies that only sell online. Certain companies like Allstate and State Farm that are more known for using agents, also allow consumers to get a quote and buy online, so this should also be taken into consideration if you prefer not to work with an agent.
If you’re concerned about not receiving proper advice, this is a normal reaction for first-time shoppers. Online companies provide options to walk you through the process. In addition, they usually offer 24/7 live help and a car insurance FAQ section you can access prior to buying.
Are car insurance rates lower online? Whether or not you’ll save is impossible to say since there are so many factors that impact your rate calculation. Common logic is that shopping direct saves money because there is no commission. But truthfully, marketing their products costs a lot of money so the lack of a commission may be a wash.
Additional North Dakota consumer information
More information is located on the North Dakota Insurance Department website located here. Visitors are able to learn about specific coverages, find out which companies have the most complaints, and view agent and company licensing information.
The following articles may also be useful.
- Never Compare Grafton Car Insurance Without Knowing These Money Saving Tricks
- Follow These Insider Techniques for Lower Grafton Auto Insurance
More quotes mean more savings
When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.
Cost effective car insurance is attainable on the web as well as from independent agents in Grafton, so you should compare both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and these smaller companies work with independent agents.