Valley City Auto Insurance Company Lowest Rates

Comparing auto insurance companies in Valley City, ND can be challenging because there are a lot of options and picking a good North Dakota car insurance agent is more difficult than just randomly choosing from the yellow pages. Consumers require a good agent, and also the best price on auto insurance.

Drivers have so many car insurance agents to purchase coverage from, and although it’s nice to be able to choose, having more insurance agents makes it harder to compare company pricing.

Valley City agents for auto insurance

Agents can point out coverage gaps and help you file claims. One of the great benefits of comparing rates online is the fact that you can find lower rates and still choose a local agent.

To help locate an agent, after submitting this simple form, your coverage information is sent to agents in your area who will give you bids for your insurance coverage. You won’t need to drive around as quotes are delivered to the email address you provide. How cool is that?!

Deciding on a car insurance agent needs to be determined by more than just the price. Agents should be asked these questions:

  • Who are their largest clients?
  • If they are an independent agency, which companies do they recommend?
  • Does the company allow you to choose your own collision repair facility?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they regularly work with personal auto policies?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is their price quote a firm figure or are their hidden costs?

Multiple types of insurance agencies in Valley City

When finding a reputable insurance agent or broker, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents are either independent (non-captive) or captive. Both types can do a good job, but it’s worth mentioning the difference between them because it can impact the selection process.

Captive Insurance Agents

These agents are contracted to one company such as AAA, Allstate and State Farm. These agents are unable to give you multiple price quotes so it’s a take it or leave it situation. They are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

The following are Valley City captive insurance agencies that can give you price quotes.

American Family Insurance – 1251 W Main St – Valley City, ND 58072 – (701) 845-2861

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies.

When searching for an agent, it’s recommended you get quotes from several independent insurance agents to have the most options to choose from.

The following is a short list of independent insurance agencies in Valley City who can help you get comparison quotes.

Jan Barlow Insurance – 674 15th Ave SW – Valley City, ND 58072 – (701) 845-1517
Didier Insurance – 733 2nd Ave NE – Valley City, ND 58072 – (701) 845-0012

To view a complete directory of Valley City insurance agents, view this link.

After receiving positive responses to all your questions and an affordable coverage quote, you may have just found an insurance agency that meets your needs to provide auto insurance coverage.

But what about GEICO and Esurance?

Local insurance agents can be invaluable at times, but you also have the option of buying direct from companies that only sell online. A few companies like Allstate and State Farm who employ agents also give you the option to get a quote and buy online, and online price comparisons are easy if the lowest rate is your goal.

If you’re apprehensive about not getting advice from an agent when buying online, that should not be a issue. Insurance companies that allow you to purchase coverage provide phone numbers and online resources to answer any questions you may have.

Is it cheaper to buy online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the fact that insurance companies use many factors that determine the price you pay. You may think that buying direct saves the commission normally paid to an agent. In reality, there are very high advertising costs and those expenses can offset most of the savings by selling direct.

Valley City North Dakota insurance agency

For more North Dakota auto insurance information

More detailed North Dakota auto insurance information is located at the North Dakota Insurance Department website. North Dakota consumers can read industry bulletins, find disaster information, view agent and company licensing information, and find a variety of consumer forms.

The articles below may also help you learn more about auto insurance in Valley City

More effort can pay off

Drivers leave their current company for a variety of reasons including high prices, poor customer service, questionable increases in premium and even denial of a claim. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

Cheap auto insurance is attainable from both online companies as well as from independent agents in Valley City, and you should be comparing both to get a complete price analysis. Some auto insurance companies don’t offer online quoting and these small insurance companies work with independent agents.