Did a good deal turn out to be an underperforming, overpriced auto insurance policy? Believe me when I say you’re not the only one. Having so many companies to choose from, it can be diffult for drivers to choose the most affordable company.
It is always a good idea to price shop coverage as often as possible since insurance prices are constantly changing. Just because you found the best price on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn the best methods to buy cheaper auto insurance.
Comparing auto insurance rates can be exhausting if you don’t understand the most efficient way to do it. You could waste time driving to local insurance agents in Hugo, or you can stay home and use online quoting for quick rates.
Many of the larger companies participate in an industry program that allows shoppers to submit their information once, and each participating company then returns a price quote based on that information. This system prevents you from having to do quotation requests to every company. To compare rates now click to open in new window.
The one disadvantage to pricing coverage this way is you can’t choose the providers you want to price. If you prefer to choose individual companies to compare, we have a listing of low cost auto insurance companies in Minnesota. Click here to view list.
It’s up to you which method you use, but try to keep nearly identical coverages with each company. If you compare higher or lower deductibles it will be next to impossible to determine which company has the best rates in Hugo.
Insurance agents can help
Certain consumers still prefer to sit down and talk to an agent and that can be a great decision Good insurance agents can help determine the best coverages and help submit paperwork. The best thing about comparing auto insurance online is that you can find the lowest rates and still choose a local agent. And supporting local insurance agents is especially important in Hugo.
To make it easy to find an agent, after completing this quick form, your insurance data is immediately sent to local insurance agents in Hugo who will gladly provide quotes for your business. You won’t need to find an agent because quoted prices will be sent immediately to you. If for some reason you want to get a comparison quote from a specific auto insurance provider, you can always jump over to their website to submit a rate quote request.
If you want a good Hugo insurance agent, there are two different types of agents that you can choose from. Agencies in Hugo can either be independent or captive depending on the company they work for. Both can sell affordable auto insurance policies, but it’s worth learning the differences since it could factor into your agent selection.
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company and that is an advantage because they can write policies with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.
When comparing rate quotes, we recommend you check rates from several independent agencies to have the most options to choose from.
Captive Auto Insurance Agents
These type of agents are contracted to one company like Allstate, Farmers Insurance or State Farm. Captive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Captives are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Listed below are Hugo captive agencies that can give you comparison quotes.
Allstate Insurance – 5669 147th St N – Hugo, MN 55038 – (651) 653-6544
To view insurance agencies near you, feel free to link to this complete selection of insurance agencies in Hugo.
Picking the best car insurance agent shouldn’t rely on just a cheap price. You should also get answers to these questions.
- Are they involved in claim handling?
- Do they specialize in personal lines coverage?
- If they are an independent agency, which companies do they recommend?
- Which companies can they place coverage with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are they paid to recommend certain coverages?
- Which insurance company do they prefer to write with?
Online resources for education
More information can be read on the website for the Minnesota Department of Commerce. Click here for link. Minnesota consumers can find disaster information, discover disciplinary actions, and file complaints about a company.