Lowest Rates from Billings, MT Car Insurance Agencies

Selecting a car insurance company in Billings, MT can be time consuming since choosing the right Billings insurance agent is more difficult than just driving to the closest agent’s office. You require a good agent that listens to you, and also want to find affordable rates.

Consumers have many insurance agencies to buy insurance from, and even though it’s nice to have a choice, it can be more difficult to find the lowest cost provider.

Billings agents for car insurance

Agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing rates online is you can get better rates but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), your coverage information is sent to companies in Billings who will return price quotes to get your business. There is no reason to even leave your home due to the fact that quote results will go directly to your email. How cool is that?!

Picking an insurance agency should depend on more than just a low price. Some important questions to ask are:

Which insurance companies are they affiliated with?
Do they specialize in personal lines coverage?
Is vehicle damage repaired with OEM or aftermarket parts?
Is their price quote a firm figure or are their hidden costs?
If they are an independent agency, which companies do they recommend?
Which company do they place the most coverage with?
How many years of experience in personal lines insurance coverages do they have?

Captive and independent Billings car insurance agents

When looking for an insurance agent, you must know there are a couple different types of agents to choose from. Agencies in Billings are categorized either captive or independent (non-captive). While both can do a good job, but it’s important to know how they are different since it can impact the selection process.

Agency Captives

These agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to compare other company’s rates so keep that in mind. These agents are well schooled on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to choose to use a captive agent mainly due to the prominence of the brand and solid financial strength.

Shown below are Billings captive agencies who may provide you with comparison quotes.

Farm Bureau Insurance – 1597 Avenue D # 5 – Billings, MT 59102 – (406) 255-2333
Allstate Insurance – 490 N 31st St – Billings, MT 59101 – (406) 256-1142
State Farm Insurance – 2500 Grand Ave # M – Billings, MT 59102 – (406) 651-0610
Farmers Insurance Group – 848 Main St # 5a – Billings, MT 59105 – (406) 252-1644

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they can insure your vehicles with lots of companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, we recommend you contact at least one independent agent for the best price selection.Most can insure with smaller regional carriers which may provide better rates.

Shown below is a short list of independent insurance agencies in Billings willing to provide price quotes.

Michael G Brown Insurance – 208 N 29th St # 219 – Billings, MT 59101 – (406) 245-9249
Allegra Insurance – 2204 Elsa Dr – Billings, MT 59106 – (406) 651-2020
Webinger Agency Inc – 2040 Broadwater Ave – Billings, MT 59102 – (406) 655-4743
Talbot Agency Inc – 2101 Overland Ave – Billings, MT 59102 – (406) 652-9151
Cogswell Agency – 2331 Spruce St – Billings, MT 59101 – (406) 259-2151

For a full directory of licensed insurance agents in Billings, please view this page.

Upon receiving answers to your satisfaction and a good coverage price, it’s possible that you found an auto insurance agent that meets your needs to adequately provide car insurance.

Online alternative for car insurance

Professional insurance agents are important, but Montana drivers can also buy from companies direct over the internet. Some companies who employ agents also let you quote and buy online, and that can save time to possibly find a better rate.

If you’re uncomfortable with whether or not you’ll have guidance, this is normal but is quickly overcome. Online insurance companies provide customer service to walk you through the process. In addition, they usually offer online education and live help anytime so buying online is not difficult.

Are online rates lower? The answer to that question is complicated due to the large number of individual components that impact your rate calculation. You may think that buying direct lowers rates due to not having any agent compensation. For most online online companies, however, getting their brand in front of customers is expensive so rates may not be all that different from traditional agents.

What is YOUR best insurance company?

Cheaper car insurance is available both online in addition to many Billings insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, denial of a claim, policy non-renewal and extreme rates for teen drivers. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

More detailed Montana car insurance information is located at the Montana Commissioner of Securities and Insurance website. Visitors are able to find out which companies have the most complaints, read state legal mandates and laws, read enforcement actions against agents and companies, and file complaints about a company.

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