Have you had enough of being strong-armed to buy car insurance? You’re in the same situation as the majority of other car owners in North Dakota. There is such a variety of auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more challenging to find the lowest cost provider.
It’s important that you understand some of the elements that come into play when calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get big savings.
Auto insurance companies do not advertise all their discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.
It’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.
Certain consumers would rather sit down with an agent and that is OK! Professional agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent.
By using this short form, your insurance data is submitted to local insurance agents in Stanley who will return price quotes to get your business. There is no need to leave your house because quoted prices will be sent straight to your inbox. Now that’s easy!
Deciding on an insurer needs to be determined by more than just a low price. Any agent should have no problem answering these questions:
When looking for local Stanley agents, you need to know there are two different agency structures to choose from. Agents can either be independent or captive. While both can do a good job, but it’s good to learn the difference between them because it can impact your agent selection.
This type of agents work for only one company and examples are Allstate, AAA, Liberty Mutual and State Farm. They are unable to place coverage with different providers so always compare other rates. Captive agencies are well schooled in insurance sales which helps them sell insurance even at higher premiums.
Shown below are Stanley captive agencies that are able to give price quotes.
American Family Insurance – 109 S Main St – Stanley, ND 58784 – (701) 628-3909
These agents do not work for one specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent. When shopping rates, you should always include at least one independent agent to get the best comparison.
The following are independent insurance agencies in Stanley willing to provide rate quotes.
Johnson Insurance Svc Inc – 5 1st Ave SE – Stanley, ND 58784 – (701) 628-3220
Reynolds Insurance – 115 S Main St – Stanley, ND 58784 – (701) 628-2775
To view a complete directory of Stanley insurance agents, simply jump to this page.
After getting positive responses and an acceptable price quote, you have narrowed it down to an auto insurance agent that meets your needs to properly service your auto insurance policy.
More tips and info about auto insurance can be read at the North Dakota Insurance Department website. Visitors are able to find out industry alerts, find out which companies have the most complaints, view agent and company licensing information, and read enforcement actions against agents and companies.
As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
Lower-priced auto insurance is available on the web as well as from independent agents in Stanley, and you need to price shop both to have the best selection. A few companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
We’ve covered many ideas to compare auto insurance prices online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest premiums are with the smaller companies. Some small companies may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.