Consumers that are new to shopping for auto insurance online can find purchasing is harder than it needs to be.
There are a variety of methods to shop for car insurance, but there is one way that is easier and takes less work. You can waste a few hours (or days) talking to local insurance agents in New Salem, or you could use online quotes to get rates in a matter of minutes.
The majority of car insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company provides a quote based on that information. This saves time by eliminating quote requests to each company.
To submit your quote information now, click here to open in new window.
One minor caviat to comparing rates this way is you can’t choose the insurers to get quotes from. So if you want to select specific insurance companies to receive pricing from, we have a page of companies who write car insurance in North Dakota. View list of North Dakota insurance companies.
Compare rates however you want, just make sure you are using the exact same quote information on every price quote you get. If the quotes have different values for each quote you will not be able to make a fair rate comparison in New Salem.
Insurance agencies can help
Some people just want to talk to an insurance agent and that can be a smart move Professional agents are trained to spot inefficiencies and help you file claims. An additional benefit of getting free rate quotes online is the fact that you can find better rates and still have a local agent. And supporting neighborhood agents is definitely important in New Salem.
To help locate an agent, after submitting this simple form, the quote information is submitted to agents in your area who want to provide quotes for your coverage. There is no need to contact any agents because quoted prices will be sent straight to your inbox. If you have a need to get a price quote from a specific insurance company, you can always find their quoting web page and fill out their quote form.
If you want to buy car insurance from a good New Salem insurance agent, you need to know there are two different types of agents that you can choose from. Agents are either captive agents or independent agents. Both types can write policy coverage, but it’s a good idea to understand how they are different since it can impact your selection of an agent.
Independent Car Insurance Agents (or Brokers)
Agents in the independent channel are not required to write business for one company so as a result can place your coverage through many different car insurance companies and get the cheapest rates. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.
If you are comparing car insurance prices, you will definitely want to contact several independent agencies for maximum quote selection. Most independent agents also contract with smaller mutual companies that may provide cheaper car insurance rates.
The following is a partial list of independent agents in New Salem who may provide competitive price quotes.
- Northland Insurance – 318 Main Ave – New Salem, ND 58563 – (701) 843-8744
Captive Car Insurance Agents
These agents can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide other company’s prices so keep that in mind. Captives are usually quite knowledgeable on their products and sales techniques which helps them sell on service rather than price. Consumers frequently buy insurance from these agents primarily because of high brand loyalty rather than having low rates.
Selecting a car insurance agent needs to be determined by more than just the premium amount. These are some valid questions you should ask.
- Do they have 24-hour customer assistance?
- Are they giving you every discount you deserve?
- Are they involved in claim handling?
- Who are their largest clients?
- Does their agency support local causes in New Salem?
- What are their preferred companies if they are an independent agency?
Additional information can be found on the North Dakota Insurance Department website found here. Consumers can read industry bulletins, report car insurance fraud, and view agent and company licensing information.