Comparing auto insurance rates in Jamestown can be a lot of work since picking a good North Dakota insurance agency is harder than just calling the closest agent. Consumers require an excellent agent, and also want to find the cheapest rates you can possibly find.
Consumers have many insurance agencies to buy insurance from, and even though it’s nice to be able to choose, so many choices can make it hard to compare rates and find the lowest cost auto insurance.
Compare online but buy from a local Jamestown agent
Good agents can point out coverage gaps and help you file claims. One of the great benefits of comparing rates online is you may find the best rates but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, your information is emailed to agents in your area who will give you bids for your business. There is no need to drive around since price quotes are sent to your email. How’s that for easy! You’ll get the best rates AND an agent nearby.
Picking a car insurance agent requires more thought than just the bottom line cost. These questions are important to ask:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What is the agency’s Better Business Bureau rating?
- Do they make recommendations based only on price?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they assist clients in filing claims?
If you want to view a list of agents in Jamestown to contact, go to this page.
Upon receiving good answers to all your questions in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that will properly service your auto insurance policy.
Is buying direct online an option?
Auto insurance agents are a valuable resource, but you can also buy North Dakota car insurance from online companies direct. Some car insurance companies like Allstate and State Farm who sell through the agent channel also allow consumers to buy a policy online. This is something to consider if the lowest rate is your goal.
If you’re worried about selecting your own policy coverages when buying car insurance direct, this really isn’t an issue. Companies that require consumers to choose their own coverages all have toll-free customer service for customer questions.
Are online rates lower? That is a tough question to answer because there are a lot of things which can adversely affect your policy premium. Many people think that a consumer who buys direct saves the commission normally paid to an agent. For the majority of companies, however, promoting brand recognition is pricey and that impacts the rates consumers pay.
For more reading
More tips and info about auto insurance can be found at the North Dakota Insurance Department website. North Dakota drivers can view agent and company licensing information, find out which companies have the most complaints, and read consumer alerts.
The following articles may also be useful.
- Insider Advice on Cheaper Jamestown, ND Auto Insurance
- Top 9 Ways You Can Buy Auto Insurance for Less in Jamestown, ND
Smart consumers save more
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed physical damage coverage 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.
Cheaper auto insurance can be purchased both online as well as from independent agents in Jamestown, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.