Finding good auto insurance in Lakeville can be challenging since there are a lot of options and selecting the best Lakeville insurance agent for your needs is harder than just making a phone call. Consumers need a decent agent, but also need the cheapest rates you can possibly find.
Drivers have so many car insurance agents to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to find the lowest rates.
Buying car insurance locally
Professional agents are trained to spot inefficiencies and help you file claims. One of the great benefits of comparing insurance prices online is you can get the best rates but still work with a licensed agent.
Upon completion of this quick form, your information is instantly submitted to agents in your area who will battle for your business. You don’t have to leave your house as quotes are delivered immediately to your email address. It doesn’t get any easier!
Deciding on an auto insurance agent shouldn’t rely on just the premium amount. Here are some questions to ask:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If your car is totalled, how to they determine the replacement cost?
- Who are their largest clients?
- How long has their agency been open in Lakeville?
- How often do they review policy coverages?
- Can glass repairs be made at your home?
What types of insurance agencies are in Lakeville?
When looking for a good Lakeville insurance agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Lakeville agents are categorized either independent or captive. Either one can insure your vehicles, but it’s worth learning the differences since it can impact the type of agent you choose
Captive Insurance Agents
Captive agencies have only one company to place business with such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are very knowledgeable on their products and sales techniques which can be an advantage. Some consumers prefer to buy from captive agents mostly because of the prominence of the brand and strong financial ratings.
The following is a list of captive insurance agencies in Lakeville that can give you price quote information.
- State Farm Insurance – 20838 Holyoke Ave – Lakeville, MN 55044 – (952) 469-2285
- American Family Insurance – 17575 Glasgow Ave – Lakeville, MN 55044 – (952) 432-2858
- Farmers Insurance Group – 20860 Kenbridge Ct – Lakeville, MN 55044 – (952) 469-4025
- Allstate Insurance – 20908 Holyoke Ave – Lakeville, MN 55044 – (952) 469-5771
Independent Agents
Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies.
When comparison shopping, it’s a good idea to include several independent insurance agents for the best price selection.Most can insure with different regional companies who may have lower rates.
The following are independent insurance agencies in Lakeville willing to provide comparison quotes.
- New Market Agency Inc – 11276 210th St W – Lakeville, MN 55044 – (952) 223-2308
- Miller-Hartwig Insurance – 20960 Holyoke Ave – Lakeville, MN 55044 – (952) 469-5502
- Thomas J Ginther Agency Inc – 16372 Kenrick Ave # V 140 – Lakeville, MN 55044 – (651) 452-4102
- John H Pahl Agency Inc – 17316 Kenyon Ave # 101 – Lakeville, MN 55044 – (952) 898-2424
- Hellier Ed Insurance – 8790 207th St W – Lakeville, MN 55044 – (952) 985-5610
To view a full list of auto insurance agents in Lakeville, please go to this site.
Once you have positive responses to any questions you have as well as a affordable price, it’s possible that you found an insurance agency that can adequately provide auto insurance.
But what about buying coverage online?
Car insurance agents serve a purpose, but Minnesota car insurance can also be bought direct from companies online. Certain companies, such as State Farm, Allstate and Farmers, who sell through agents in Lakeville also allow consumers to buy online, so keep that in mind to possibly find a better rate.
If you’re concerned about not getting proper coverage when buying direct, that is quite common when buying online the first time. Insurance companies that allow you to purchase coverage have toll-free phone numbers and other options to walk you through the process.
Does car insurance cost less online? It’s hard to say exactly since there are so many components that determine the price you pay. It’s logical to say that buying directly from the company saves by not paying a commission. In reality, advertising budgets are huge so this can offset any savings.
Consumer auto insurance information in Minnesota
Additional detailed information is located at the Minnesota Department of Commerce website. Minnesota consumers can find disaster information, learn about insurance regulations, read consumer alerts, and find a variety of consumer forms.
The following information may also be useful.
Compare but don’t skimp
As you prepare to switch companies, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Cheap auto insurance is definitely available on the web as well as from independent agents in Lakeville, so you should compare both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.
