To find a good insurance agent in Apple Valley, MN, we recommend you start your research using online quotes to save yourself time. Consumers need an excellent agent, but also need the best auto insurance prices in Apple Valley.
Having so many companies to choose from, it can be impossible to choose the best provider.
Quote online but work with a neighborhood agent
Educated insurance agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is you may find lower rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to agents in your area who will compete for your business. You never need to leave your house as quotes are delivered to your email. How cool is that?!
Selecting an insurance agent requires more thought than just a cheap price. Any agent should have no problem answering these questions:
- Are you getting all the discounts the company offers?
- How long has their agency been open in Apple Valley?
- Who is covered by the car insurance policy?
- Do they have any clout with companies to ensure a fair claim settlement?
- If your car is totalled, how to they determine the replacement cost?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
How to choose the best auto insurance agent in Apple Valley
If you’re trying to find a good insurance agency, there are a couple of different types of agents that you can select. Agencies in Apple Valley are either captive or independent (non-captive). Both types can properly insure your vehicles, but it’s worth learning the differences because it can influence the type of agent you choose
Captive Insurance Agents
Captive agencies are contracted to one company and some examples include AAA, Allstate and State Farm. Captives cannot provide prices from multiple companies so they have to upsell other benefits. They are very knowledgeable in insurance sales and that can be a competitive advantage.
The following are Apple Valley captive agencies who can help you get comparison quotes.
Farmers Insurance Group – 14863 Energy Way – Apple Valley, MN 55124 – (952) 432-2122
State Farm Insurance – 203 County Road 42 – Apple Valley, MN 55124 – (952) 432-8654
American Family Insurance – 15010 Glazier Ave # 103 – Apple Valley, MN 55124 – (952) 432-3700
Independent Insurance Agents
These agents are not employed by any specific company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, it’s a good idea to include several independent insurance agents to get the best comparison.
Listed below is a short list of independent insurance agents in Apple Valley that are able to give rate quotes.
Alan Lecher Agency Inc – 15010 Glazier Ave # 205 – Apple Valley, MN 55124 – (952) 431-4055
Robert E Lee Agency Inc – 7300 147th St W # 102 – Apple Valley, MN 55124 – (952) 997-4333
Jeff Conrad Insurance – Cedar Ave and 147th St – Apple Valley, MN 55124 – (952) 431-2600
Walter Manning Agency – 7707 149th St W # 7 – Apple Valley, MN 55124 – (952) 891-4703
Commercial Insurance Underwrtr – 15594 Finch Ave – Apple Valley, MN 55124 – (952) 997-7008
For a complete listing of Apple Valley insurance agents, visit this link.
After receiving reasonable responses and locked in a price quote, you have narrowed it down to an auto insurance agent that is a good match to properly insure your vehicles.
Include online companies when price shopping
Professional insurance agents serve a purpose, but Minnesota car insurance can also be bought direct from companies online. Certain companies, such as Farmers Insurance and State Farm, that sell primarily through agents also allow you to get quotes and purchase online. This is something to consider.
If you’re worried about not having someone to ask questions, don’t let it bother you. Car insurance companies that allow you to purchase coverage all have toll-free customer service to answer your questions. Consumers also can use online education and live help anytime that you can use if you have questions.
Do online companies provide lower prices? Many people think so, but it’s hard to say for sure due to the fact that there are many factors that impact your rate calculation. You may think that shopping online for auto insurance saves the cost of an agent commission. But the reality is marketing their products costs a lot of money and this tends to eat up any savings.
If you just want to find lower premiums, the most effective way to determine if the cheapest policy comes from an agent or online is making fair comparisons of each of their rates. It’s even possible to receive different pricing from the same company when they compare quotes from both.
Learn more about Minnesota auto insurance
More tips and info about auto insurance can be found at the Minnesota Department of Commerce website. Minnesota drivers can find a variety of consumer forms, get help finding coverage, download brochures, and find out industry alerts.
The following articles may also be useful.
More effort can pay off
Drivers switch companies for many reasons like unfair underwriting practices, high rates after DUI convictions, lack of trust in their agent or questionable increases in premium. Regardless of your reason for switching companies, switching companies can be easier than you think.
As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to discover later that it was a big mistake. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
