If you’re looking for a good insurance agent in Duluth, MN, it’s recommended you do an initial search by getting online comparison quotes in order to save time. Consumers need a friendly agent, and also affordable rates.
Companies like State Farm and Geico continually hit you with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.
Duluth agents and online quotes
Licensed agents can point out coverage gaps and help file insurance claims. The best thing about comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your information is instantly submitted to companies in Duluth who will compete for your coverage. You won’t need to drive around as quotes are delivered immediately to your email address. Now that’s easy! It’s the lowest rates and work with a local agent.
Picking an auto insurance agent should depend on more than just a cheap price. These are valid questions to ask:
- How much can you save by raising your physical damage deductibles?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are claim adjusters local or do you have to take your car somewhere else?
- If they are an independent agency, which companies do they recommend?
- Which insurance companies are they affiliated with?
- How often do they review policy coverages?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agency have a good rating with the Better Business Bureau?
Choose the right insurance agent
When finding an insurance agent, there are a couple of different types of agents to choose from. Insurance agencies in Duluth are classified as either independent (non-captive) or captive.
Captive Agents
This type of agents can only place business with one company and some examples include American Family, State Farm and Allstate. Captives cannot give you multiple price quotes so they have to upsell other benefits. Captive agencies are trained well on their company’s products which can be an advantage.
Shown below are captive insurance agencies in Duluth that are able to give price quote information.
Farmers Insurance Group – 738 E Superior St – Duluth, MN 55802 – (218) 722-2215
Allstate Insurance – 102 E Central Entrance – Duluth, MN 55811 – (218) 722-2444
American Family Insurance – 5631 E Superior St – Duluth, MN 55804 – (218) 525-6688
State Farm Insurance – 1707 Miller Trunk Hwy – Duluth, MN 55811 – (218) 720-3758
Independent Agents (or Brokers)
These agents are not employed by any specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
When searching for an agent, we recommend you get quotes from at least one independent agent for maximum quote selection.
Below is a short list of independent agencies in Duluth who can help you get rate quotes.
Al Robins Insurance – 1622 London Rd – Duluth, MN 55812 – (218) 728-5194
Holden Duluth Agency Inc – 5713 Grand Ave – Duluth, MN 55807 – (218) 628-3618
Prudential Insurance Co – 2114 W Superior St – Duluth, MN 55806 – (218) 727-8680
Janet Swanson Agency – 4815 Burning Tree Rd # 208 – Duluth, MN 55811 – (218) 727-8951
Ernie Shelton Agency – 4929 Matterhorn Dr # 2 – Duluth, MN 55811 – (218) 726-1073
For a complete listing of insurance agents in Duluth, visit this site.
Once you have answers to your satisfaction to these questions and a low price estimate, you’ve probably found an insurance agency that meets your needs to properly service your auto insurance policy.
Are Progressive, Geico and Esurance cheaper?
Professional insurance agents are perfect for certain consumers, but you also have the option of buying Minnesota car insurance directly from online companies. Even companies who employ agents also allow you to quote and buy online, so this should also be taken into consideration if finding the best price is important.
If you’re worried about not getting advice from an agent, this is expected but don’t let that bother you. Companies provide options for customer questions. Additionally, most companies also offer live help and 24/7 access to clarify any questions you may have.
Are online companies cheaper? That question is hard to answer because of the fact that insurance companies use many factors that impact your premium. It’s a common assumption that shopping direct saves the commission normally paid to an agent. For most online online companies, however, it’s expensive to advertise and this tends to eat up any savings.
More effort can pay off
Insureds who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, policy cancellation or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new auto insurance company is pretty easy and you might even save some money in the process.
Cost effective auto insurance can be bought on the web as well as from independent agents in Duluth, so compare prices from both to get a complete price analysis. Some insurance providers don’t offer online quoting and these small insurance companies work with independent agents.
Some additional reading
Additional detailed information is available at the Minnesota Department of Commerce website. Minnesota drivers can view a list of available companies, read consumer alerts, find out industry alerts, and read industry bulletins.
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