When buying auto insurance in Moorhead, choosing the right Moorhead auto insurance agent takes more work than just driving to the closest agent’s office. There is a good chance you want a professional licensed agent, but you also want to find the lowest possible price.
With independent agents, Allstate and State Farm having offices in Moorhead, it can be hard to know which insurance agent will provide you with the lowest rates and best service. To help decide, you can use insurance quotes online to assemble a group of agencies from which to choose.
Shop online but buy locally
Good agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of price shopping on the web is you can get the best rates but still work with a licensed agent. And supporting local businesses is important especially in Moorhead.
Upon completion of this simple form, your coverage information is submitted to local insurance agents in Moorhead who will compete for your coverage. There is no need to leave your house since price quotes are sent straight to your inbox. It doesn’t get any easier! Get lower rates without the usual hassles of price shopping.
Shown below is a short list of insurance agents in Moorhead willing to provide price quotes.
- Farmers Insurance Group – 725 Center Ave, Moorhead, MN 56560 – (218) 236-0948
- Moorhead Insurance – 420 Highway 75 N, Moorhead, MN 56560 – (218) 233-3422
- State Farm Insurance – 515 8th St S, Moorhead, MN 56560 – (218) 236-7845
- Chad Mccaslin Agency – 1501 40th Ave N # N, Moorhead, MN 56560 – (218) 236-9714
- Lichtsinn-Anderson Insurance – 1001 Center Ave # B, Moorhead, MN 56560 – (218) 236-7662
To view a full list of licensed insurance agents in Moorhead, visit this site.
Deciding on an insurance agency shouldn’t rely on just a cheap price. These are valid questions to ask:
- What insurance companies do they work with?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is assistance available after office hours?
- Do they carry Errors and Omissions coverage?
- What are the financial ratings for the companies they represent?
- How long have they worked with personal auto insurance coverage?
After receiving acceptable answers to your questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that is a good match to adequately provide auto insurance.
The online company option
Licensed agents serve a purpose, but Minnesota drivers can also buy from companies direct over the internet. Some specific companies, such as State Farm, Allstate and Farmers, who employ agents also permit you to buy direct online, so this should also be taken into consideration if you prefer not to work with an agent.
If you’re uncomfortable with not having an agent to talk to, that shouldn’t be an issue. Companies have customer service departments for getting questions answered.
Are online rates lower? That question is hard to answer because there are a lot of things that are calculated into your premium. Some people will tell you that buying car insurance online cuts out the middleman. But in reality, there are high advertising and marketing costs so the rates may be similar to buying from an agent.
In Summary
Drivers change insurance companies for a variety of reasons including lack of trust in their agent, poor customer service, questionable increases in premium and not issuing a premium refund. No matter why you want to switch, switching companies can be less work than you think.
Affordable auto insurance is attainable from both online companies and with local Moorhead insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
More Minnesota auto insurance resources
Much more information about auto insurance in Minnesota is located on the Minnesota Department of Commerce website. Click here for link. Minnesota consumers can find disaster information, read consumer alerts, and download brochures.
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