Tightwads Guide to Saving on Havre, MT Car Insurance

Finding better rates for Havre car insurance can seem to be nearly impossible for consumers not familiar with buying insurance online. Drivers have so many options available that it can be a challenge to compare prices in Havre.

If you have a current car insurance policy or need a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. Locating affordable protection in Havre can be fairly easy. Montana drivers only need to know the proper way to compare price quotes online.

Comprehensive Car Insurance Comparison in Havre, MT

Finding a lower price on insurance can be relatively painless. You just need to spend a few minutes on the computer to get quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form submissions for each company. A single form compares rates from many national carriers. This is perfect if you don’t have a lot of time.

A less efficient way to compare rate quotes requires a trip to each company’s website to complete their respective quote request forms. For instance, we’ll pretend you want to compare Allstate, Esurance and Farmers. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Havre, click here.

The least recommended method of comparing rate quotes is driving around to insurance agents’ offices. The internet makes this process obsolete unless you have a need for the trained guidance of a local agent. Drivers can compare online quotes but still have the advice of a local agent.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples information with each company. If you use unequal deductibles or liability limits then you won’t be able to make an equal comparison in Havre.

Are insurance agents obsolete?

Some people just want to visit with an insurance agent and that is just fine! Educated insurance agents can point out coverage gaps and help submit paperwork. One of the great benefits of getting online price quotes is the fact that you can find the best rates and still have an agent to talk to. And providing support for local businesses is important particularly in Havre.

For easy comparison, once you complete this form (opens in new window), your information is emailed to companies in Havre who will battle for your business. You won’t need to even leave your home as quotes are delivered straight to your inbox. How cool is that?!

Compare rates from both independent and captive car insurance agents

When finding a good Havre insurance agent, there are a couple of types of insurance agents from which to choose. Havre agents are classified as either captive or independent. Both types can properly insure your vehicles, but it’s important to know how they differ since it may influence buying decisions.

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to include price quotes from at a minimum one independent agency for the best price selection.Most can insure with smaller companies which can be an advantage.

Shown below is a short list of independent insurance agencies in Havre who may be able to give you rate quotes.

  • Koefod Agency – 223 3rd Ave # A – Havre, MT 59501 – (406) 265-6766
  • Kralich Insurance – 230 1st St – Havre, MT 59501 – (406) 265-5545
  • Insurance and Bonding Svc – 601 3rd Ave – Havre, MT 59501 – (406) 265-4344
Captive Agents

These agents work for only one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives receive extensive training on the products they sell which can be an advantage. Consumers frequently choose to use a captive agent mostly because of the prominence of the brand and strong financial ratings.

Selecting an auto insurance agent shouldn’t rely on just the price. Agents should be asked these questions:

  • Which members of your family are coverage by the policy?
  • Are you getting all the discounts the company offers?
  • Do they regularly work with personal auto policies?
  • Are they properly licensed to sell insurance in Montana?
  • How are claims handled?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Did they already check your driving record and credit reports?
  • How long have they worked with personal auto insurance coverage?

After receiving reasonable responses and an affordable coverage quote, you may have just found an insurance agent that can properly insure your vehicles.

More information is available on the Montana Commissioner of Securities and Insurance website found here. Montana consumers can learn about specific coverages, read consumer alerts, file complaints about a company, and view agent and company licensing information.

Also read more on Auto Insurance 101 and this page of insurance agents in Havre.