To locate an insurance agent in West Fargo, North Dakota, you can always start your research on the internet rather than picking up the phone. For this article’s sake, it’s assumed you not only want a good agent that listens to you, but you also need the lowest possible price.
With companies like State Farm, Allstate and many independent agents having local West Fargo offices, it’s hard to tell which provider will provide you with the best rates, service and coverage. Thankfully, consumers can use insurance quotes online to get a list of insurance agencies and thier coverage prices.
Online quotes with a local West Fargo insurance agent
Agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing rates online is you may find the lowest rates but also keep your business local. Supporting local businesses is especially important in West Fargo.
After completing this quick form, your information is submitted to local insurance agents who will return price quotes for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go directly to your email. Now that’s easy! You can find the lowest rates and a licensed agent to work with.
Two different types of car insurance agents
When searching for an insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. West Fargo agents can either be captive or independent.
Independent Insurance Agents
These agents do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.
When comparing rates, we recommend you contact at least one independent agent for maximum quote selection. Many write coverage with different regional companies who may have lower rates.
The following are West Fargo independent insurance agents who can help you get price quotes.
- Western Insurance – 755 13th Ave – West Fargo, ND 58078 – (701) 492-2228
- Tri-County Insurance and Leasing – 705 Main Ave E # F – West Fargo, ND 58078 – (701) 277-1710
- Braaten Agency – 133 Main Ave W # 202 – West Fargo, ND 58078 – (701) 277-1012
Captive insurance agents work for only one company such as American Family, Liberty Mutual and AAA. They are unable to shop your coverage around so they have no alternatives for high prices. Captive agencies are well schooled on their company’s products which can be an advantage. Consumers frequently buy from captive agents mainly due to the brand legacy and strong financial ratings.
Listed below is a list of captive insurance agencies in West Fargo that can give you price quote information.
- State Farm Insurance – 1301 13th Ave E – West Fargo, ND 58078 – (701) 281-9200
For a complete listing of car insurance agents in West Fargo, please go to this site.
Picking an auto insurance agent should depend on more than just the price. These are valid questions to ask:
- Can they give you a list of client referrals?
- What insurance companies do they recommend if they are an independent agent?
- Do they carry Errors and Omissions coverage?
- Do they receive special compensation for putting your coverage with one company over another?
- If your car is totalled, how to they determine the replacement cost?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is their price quote a firm figure or are their hidden costs?
- What insurance company do they write the most business with?
Upon receiving good answers to all your questions in addition to an acceptable price estimate, you may have just found an insurance agency that will insure your vehicles.
Can you buy online and save?
Insurance agencies are indespensible for some people, but North Dakota car insurance can also be bought from companies direct over the internet. Some companies who sell through the agent channel also let you buy a policy online, and that can save time.
If you’re uncomfortable with choosing your own coverages when shopping online, this really isn’t an issue. Insurance companies that allow you to purchase coverage provide phone numbers and online resources that you can contact for information. They also make available live help and an extensive research center to clarify any questions you may have.
Will you save money buying auto insurance online? That is a tough question to answer due to the fact that there are many factors which can adversely affect your policy premium. Some people will tell you that purchasing direct online saves money by not requiring a commission. But that assumption is generally incorrect because marketing their products costs a lot of money and this tends to eat up any savings.
Best coverage at the best price
People who switch companies do it for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason, switching car insurance companies is easier than you think.
Cheaper car insurance can be found online in addition to many West Fargo insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.
More North Dakota car insurance resources
Much more information about car insurance in North Dakota can be found on the North Dakota Insurance Department website located here. North Dakota consumers can read industry bulletins, learn about specific coverages, and learn about insurance regulations.
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