Nobody I know likes having to buy auto insurance, especially when the price is too high.
Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings with advertising and it is difficult to see through the deception and take the time to shop coverage around.
If you currently have car insurance, you should be able to save some money using these techniques. Finding affordable coverage in Sidney is quite easy. But Montana drivers need to learn how the larger insurance companies price online insurance and use this information to your advantage.
Companies do not list every available discount very well, so we researched some of the best known as well as the least known discounts you could be receiving.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way.
To see a list of providers offering auto insurance discounts in Montana, click this link.
Certain consumers would prefer to buy from a licensed agent and that is a personal choice. The biggest benefit of price shopping on the web is you can get the lowest rates but still work with a licensed agent.
Once you complete this form (opens in new window), your insurance data gets sent to agents in your area who will return price quotes to get your business. You won’t need to even leave your home since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.
Picking an insurance company should depend on more than just a low price. Any agent should have no problem answering these questions:
When finding a reputable insurance agent or broker, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Sidney are categorized either captive or independent (non-captive).
Captive agents are contracted to one company such as American Family, Liberty Mutual and AAA. They generally cannot place coverage with different providers so it’s a take it or leave it situation. They receive extensive training on the products they sell which helps them sell insurance even at higher premiums.
Listed below is a short list of captive agents in Sidney who can help you get price quotes.
Farm Bureau Insurance – 804 S Central Ave – Sidney, MT 59270 – (406) 433-4416
State Farm Insurance – 919 Lincoln Ave S – Sidney, MT 59270 – (406) 482-3115
These agents do not work for one specific company so they have the ability to put coverage with many different 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 shopping rates, it’s a good idea to include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
Below are independent insurance agents in Sidney that can give you price quotes.
Richland Farm Mutual Insurance – 1405 4th St SW # 1 – Sidney, MT 59270 – (406) 488-4898
Dennis Insurance – 111 2nd Ave SW – Sidney, MT 59270 – (406) 488-7410
To view a full list of insurance agents in Sidney, view this link.
Once you have received positive responses and locked in a price quote, most likely you have located a car insurance agent that can insure your vehicles.
Auto insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to have a common claim that you can save if you change to their company. But how can every company make almost identical claims?
All companies have a certain “appetite” for the type of customer that makes them money. For instance, a driver they prefer could be between the ages of 30 and 50, has no prior claims, and has great credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.
Drivers who don’t qualify for the “perfect” profile will be charged higher rates which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save money. That’s the way companies can state the savings. That is why it’s extremely important to get as many quotes as possible. You cannot predict which company will give you the biggest savings.
More detailed Montana auto insurance information is located at the Montana Commissioner of Securities and Insurance website. Consumers can find out industry alerts, read industry bulletins, file complaints about a company, and report car insurance fraud.
When you buy insurance online, never skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage for the lowest price.
We covered some good ideas how to compare auto insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest rates come from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.