When trying to find a good Kalispell agent, it’s recommended you start your search on the web instead of making phone calls. Consumers need a good agent that listens to you, and also cheaper auto insurance prices.
There is such a variety of car insurance agents to buy insurance from, and though it is a good thing to have a choice, it makes it harder to compare rates and find the lowest cost auto insurance.
How to compare Kalispell auto insurance rates
Insurance agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain lower rates but also keep your business local.
After completing this quick form, your insurance coverage information is sent to insurance agents in Kalispell who will return price quotes for your business. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. It doesn’t get any easier!
Picking an insurance agent requires more thought than just a cheap price. These questions are important to ask:
- If your car is in the repair shop, do you have coverage for a rental car?
- Are you getting all the discounts the company offers?
- Do they have any clout with companies to ensure a fair claim settlement?
- How are claims handled?
- What is the agency’s Better Business Bureau rating?
- How are they compensated?
Insurance agents in Kalispell come in two varieties
When finding local Kalispell agents, you need to know there are two different agency structures to choose from. Kalispell agents are classified as either captive or independent. Either one can write coverage properly, but it’s worth learning how they are different since it may influence the type of agent you choose
Captive Agents
These agents write business for a single company like Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so keep that in mind. They are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Independent Agents (or Brokers)
Independent agents are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When comparison shopping, we recommend you include at a minimum one independent agency for maximum quote selection.
Below is a list of independent insurance agencies in Kalispell that are able to give price quote information.
J and H Insurance – 947 S Main St – Kalispell, MT 59901 – (406) 756-8058
Mike Grachek Insurance – 409 1st Ave E # A – Kalispell, MT 59901 – (406) 755-4000
Marc S Connolly Agency – 44 Village Loop Rd – Kalispell, MT 59901 – (406) 752-4350
Marty Gemmer Agency – 720 2nd St E – Kalispell, MT 59901 – (406) 752-4613
For a complete listing of auto insurance agents in Kalispell, please click here.
Once you have positive feedback to any questions you have and locked in a price quote, you’ve probably found an insurance agency that is a good match to properly insure your vehicles.
Consider every option when buying coverage
Insurance agents can be invaluable at times, but you also have the option of buying directly from online companies. A few companies like State Farm and Allstate who employ agents also give you the ability to buy online, and online price comparisons are easy if you are the do-it-yourself type.
If you’re apprehensive about not having professional advice when buying car insurance direct, that shouldn’t be an issue. Online insurance companies that allow you to purchase coverage provide access to licensed agents for getting advice on proper coverages. You may also access online education and live help anytime you can access prior to buying.
Can you find lower rates online? That question is hard to answer because there are many factors that impact your final bill. It’s a logical assumption that purchasing direct online reduces premiums because there is no agent. But the reality is it’s expensive to advertise so the rates may be similar to buying from an agent.
Buy online or local, you save
Cost effective auto insurance can be purchased online and also from your neighborhood Kalispell agents, so compare prices from both to have the best rate selection. Some auto insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.
As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage and discovered at claim time that it was a big mistake. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.
Additional Montana car insurance resources
Additional detailed information can be read at the Montana Commissioner of Securities and Insurance website. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, and read industry bulletins.
The following information may also be useful.
