When searching for an insurance agent in Dell Rapids, South Dakota, it’s recommended you begin your search by getting online comparison quotes in order to save time. Chances are you require not only a highly trained agent, but you also want the lowest possible price.
With companies like State Farm, Allstate and Farmers Insurance having local Dell Rapids offices, it’s difficult to determine which insurance agency will provide the lowest rates and best service. Thankfully, consumers can use online price quotes to get a list of insurance agencies from which to choose.
Quote online, buy local
Insurance agents can help determine the best coverages and help submit paperwork. The best thing about comparing insurance prices online is you may find lower rates but still work with a licensed agent. Supporting local agencies is important especially in Dell Rapids.
Upon completion of this short form, your coverage information is sent to local insurance agents in Dell Rapids who will battle for your coverage. You never need to leave your house as quotes are delivered directly to your email. How cool is that?! You’ll get the best rates AND an agent nearby.
Types of insurance agents
When looking for a good Dell Rapids insurance agent, there are a couple of types of insurance agents from which to choose. Dell Rapids agents are either captive or independent.
Independent Agents (or Brokers)
Independent agencies are not locked into one company but instead can place your coverage amongst many companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s recommended you get quotes from multiple independent agents for the best price selection.
Listed below is a list of independent insurance agents in Dell Rapids that may be able to provide price quote information.
Insurance Source – 419 E 4th St – Dell Rapids, SD 57022 – (605) 331-4740
Schwebach Insurance – 402 Garfield Ave – Dell Rapids, SD 57022 – (605) 428-5498
Agency Captives
Captive agents work for only one company and some examples include State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so always compare other rates. These agents are very knowledgeable on their products and sales techniques which can be an advantage.
The following are Dell Rapids captive agents that can give you comparison quotes.
American Family Insurance – 251 N Main Ave – Dell Rapids, SD 57022 – (605) 428-5666
For a complete listing of captive insurance agencies in Dell Rapids, visit this site.
Choosing an insurance agency needs to be determined by more than just a low price. Ask your prospective agent these questions:
- Does the company allow you to choose your own collision repair facility?
- How much can you save by raising your physical damage deductibles?
- How are claims handled?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they make recommendations based only on price?
- Do the companies they represent have a solid financial rating?
Once you have received positive responses to your questions and an affordable coverage quote, you’ve probably found a car insurance agent that can insure your vehicles.
What if I want to compare online rates?
Auto insurance agents are a valuable resource, but you can also find affordable South Dakota auto insurance directly from online companies. Even companies who sell through the agent channel also let you buy online, and consumers should do that if you’re trying to lower your rates.
If you’re apprehensive about not having an agent to talk to, this is expected but don’t let that bother you. Online insurance companies that allow you to purchase coverage all have client service departments to help you decide which coverages are appropriate. In addition, they usually offer live help and 24/7 access to help with the buying process.
Can you find lower rates online? That question is hard to answer since companies use quite a few components that determine the price you pay. Common sense would say that shopping online for auto insurance lowers rates due to not having any agent compensation. In reality, marketing expenses are significant and that impacts the rates consumers pay.
The best approach to find out whether prices are lower online or from agents is comparing prices for both of them. You may actually get a different price when quoting both agents prices and online prices from the same insurance company.
Better coverage you can count on
People change insurance companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, not issuing a premium refund or being labeled a high risk driver. Whatever your reason, choosing a new insurance company is easier than you think.
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
Additional information can be read on the website for the South Dakota Division of Insurance. Click here for link. Visitors are able to download brochures, report car insurance fraud, and find disaster information.
Other useful links include BankRate.com’s Car Insurance: When not to Skimp and this page where you can research Dell Rapids insurance agents.
