To locate a good Hazen agent, it’s recommended you do an initial search using online quotes to save time. For this article’s sake, it’s assumed that not only do you want a highly trained agent, but you also want to find great rates as well.
With State Farm, Allstate and many independent agents having local Hazen offices, it can be hard to know which auto insurance agent will give you the best rates, service and coverage. Thankfully, consumers can get online quotes to get a list of insurance agencies from which to choose.
Best way to find Hazen agents
Agents can help determine the best coverages and help you file claims. The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent. Buying from small agencies is important particularly in Hazen.
For easy comparison, once you complete this short form, the quote information is instantly submitted to companies in Hazen who will give you bids for your insurance coverage. There is no need to leave your computer as quotes are delivered straight to your inbox. How cool is that?! It’s the lowest rates and a licensed agent to work with.
Different types of Hazen car insurance agents
When looking for a reputable insurance agent or broker, you must know there are a couple different agency structures that you can select. Agencies in Hazen are classified as either independent or captive.
Independent Agents (or Brokers)
These agents are not required to write business for one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include multiple independent agents to get the best comparison.Many can place coverage with smaller regional carriers who may have lower rates.
The following are Hazen independent insurance agents that may be able to provide pricing information.
- Southwest Insurance – 38 Main Rd W – Hazen, ND 58545 – (701) 748-6444
- Lundstrom Insurance – 205 1st Ave NW – Hazen, ND 58545 – (701) 748-3330
Agency Captives
Captive agencies have only one company to place business with and examples are AAA, Allstate and State Farm. These agents are not able to give you multiple price quotes so keep that in mind. They are usually quite knowledgeable on the products they sell which can be an advantage. Some people will only choose to use a captive agent mainly due to loyalty to the company and strong financial ratings.
Choosing an insurance agency shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:
- If they are an independent agency, which companies do they recommend?
- How long has their agency been in business in Hazen?
- Does the agency provide any after hours assistance?
- Who are their largest clients?
- Do the coverages you’re quoting properly cover your vehicle?
- Does the agency have a good rating with the Better Business Bureau?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Will their companies depreciate repairs to your car based on the mileage?
After receiving reasonable responses to these questions and a low price estimate, most likely you have located an insurance agency that is a good match to properly service your car insurance policy.
Online companies should also be compared
Professional insurance agents are perfect for certain consumers, but North Dakota car insurance can also be bought direct from companies that only sell online. Some specific companies, such as State Farm, Allstate and Farmers, who employ agents also allow you to buy online. This is something to consider if you want to do it yourself.
If you’re apprehensive about having to choose coverages yourself when shopping online, don’t sweat it. Online companies have customer service departments to walk you through the process. You can also use help pages and frequently asked questions to help you answer questions.
If you’re not set on any one company, the best way to find out whether online companies or local agents have lower rates is to get rates from both and compare them. It’s fairly common that you receive different coverage costs from online quotes as compared to agent rates for the same auto insurance company.
Does coverage cost less online? The answer to that question is complicated because there are a lot of things that impact your final bill. It’s often assumed that buying online reduces premiums because there is no agent. But the reality is there are high advertising and marketing costs and this drives up their premium costs.
Shop smart and save
When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. In many instances, someone sacrificed uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Insureds change insurance companies for any number of reasons including policy non-renewal, denial of a claim, high prices and questionable increases in premium. Whatever your reason, finding a new company can be less work than you think.
More information can be found on the North Dakota Insurance Department website located here. North Dakota consumers can get help finding coverage, file complaints about an insurance agent or broker, file complaints about a company, and view a list of available companies.
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