Online Tools to Find a Car Insurance Agent in Aberdeen

If you’re looking for a good insurance agent in Aberdeen, South Dakota, you can always start your search for an agent online instead of calling around. For the sake of this article, we’ll assume you’re looking for an excellent agent, but you also want to find great rates as well.

With companies like independent agents, Allstate and State Farm having offices in Aberdeen, consumers have a hard time knowing which one will provide you with the best rates, service and coverage. Thankfully, consumers can use insurance quotes online to assemble a group of agencies and price estimates.

Online price comparisons from Aberdeen agents

Educated insurance agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates and still choose a local agent. And providing support for local businesses is definitely important in Aberdeen.

To find an agent, once you fill out this short form, your coverage information gets sent to insurance agents in Aberdeen who will return price quotes for your coverage. You don’t have to even leave your home since price quotes are sent to the email address you provide. How’s that for easy! You’ll get the best rates and an insurance agent to talk to.

Captive agents vs. Independent agents

When researching local Aberdeen agents, there are two different types of agents to choose from. Aberdeen agents are either captive or independent.

Independent Agents

Independent insurance agents are not required to write business for one company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency.

When shopping rates, you should always contact several independent insurance agents for maximum quote selection. They also have the ability to place coverage with smaller regional carriers which may provide better rates.

Shown below is a list of independent agents in Aberdeen who can help you get price quotes.

  • John Sieh Agency – 702 S Main St – Aberdeen, SD 57401 – (605) 229-1760
  • Fuhrmann Agency – 409 N Main St – Aberdeen, SD 57401 – (605) 229-1776
  • Prairie States Insurance – 1725 Dick Dr – Aberdeen, SD 57401 – (605) 725-2645
  • Iwerks Agency – 405 8th Ave NW # 407 – Aberdeen, SD 57401 – (605) 225-5440
  • Leo Schatz Insurance – 116 N Main St – Aberdeen, SD 57401 – (605) 226-8180
Captive Insurance Agents

Captive agents can only write with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so always compare other rates. Captive agencies are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers sometimes choose to use a captive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Below is a short list of captive insurance agencies in Aberdeen willing to provide price quotes.

  • American Family Insurance – 405 8th Ave NW # 103 – Aberdeen, SD 57401 – (605) 229-3828
  • Allstate Insurance – 405 8th Ave NW # 204 – Aberdeen, SD 57401 – (605) 229-4232
  • Farm Bureau Financial Svc – 121 3rd Ave SW – Aberdeen, SD 57401 – (605) 725-5060
  • State Farm Insurance – 408 Moccasin Dr – Aberdeen, SD 57401 – (605) 225-4916

To view a complete directory of captive agents in Aberdeen, simply jump to this page.

Selecting a car insurance agent should depend on more than just the premium amount. These questions are important to ask:

  • Do they regularly work with personal auto policies?
  • Can glass repairs be made at your home?
  • Can they give you a list of client referrals?
  • What insurance company do they write the most business with?
  • Do the companies they represent have a solid financial rating?
  • If you have an accident, will your rates go up?
  • Do they make recommendations based only on price?

Upon getting reasonable responses to your questions in addition to an acceptable price estimate, it’s possible that you found an insurance agency that can properly service your car insurance policy.

Consider all options when shopping for auto insurance

Licensed agents are important to many people, but you can also find affordable South Dakota auto insurance from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel also permit you to buy a policy online. This is something to consider as an alternative to contacting agents.

If you’re concerned about not getting advice from an agent, that is normal but is not a big issue. All companies that require consumers to choose their own coverages all have toll-free customer service for getting questions answered. They also have online help and live chat that you can use before buying.

The best approach to find out if prices are better online or from an agent is to set aside time to compare rates from both. Even though it sounds odd, people frequently get different pricing comparing agents to online prices for the identical company. But it’s impossible to know which way will be cheaper without quoting identical coverages utilizing both methods.

Is online auto insurance cheaper? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many components that impact your rate calculation. It’s logical to say that going direct lowers rates due to not having any agent compensation. For most online online companies, however, online and traditional media advertising are expensive so the lack of a commission may be a wash.

Additional car insurance information can be found on the South Dakota Division of Insurance website through this link. Visitors are able to learn about specific coverages, view agent and company licensing information, find a variety of consumer forms, and download brochures.

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Smart shoppers get results

People leave their current company for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, delays in responding to claim requests and even high prices. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

When you buy insurance online, you should never reduce coverage to reduce premium. Too many times, an insured dropped liability coverage limits only to discover later that it was a big error on their part. Your strategy should be to buy enough coverage at the best price.