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Buying Auto Insurance Forest Lake MN

Some insurance companies use only one of these methods of selling to customers, others may use a combination of methods. Let's look at the advantages and disadvantages of each.

Allstate Auto Insurance
(888) 355-7971
13228 Europa Bay N
Hugo, MN
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Carney Insurance
(612) 860-7939
1307 Southeast Bay Drive
Forest Lake, MN
 
Johnson- Jesse R
(651) 464-2111
843 W Broadway Ave Ste E
Forest Lake, MN
 
First Service Insurance Agency
(651) 462-4712
26357 Forest Boulevard
Wyoming, MN
 
State Farm Insurance
(651) 257-4372
12815 Lake Boulevard
Lindstrom, MN
 
Allstate Insurance - Bob Wheaton
(651) 464-7999
20 North Lake Street
Forest Lake, MN
 
American Family Insurance - Roland Sibbald
(651) 464-1130
115 Lake St N
Forest Lake, MN
 
Johnson- Bruce L
(651) 464-7227
568 Lake St S
Forest Lake, MN
 
John Savageau Ins Agency Inc - State Farm Insurance Agent
(763) 786-3087
9200 Lake Drive
Circle Pines, MN
 
O'malley- Michael S
(651) 257-4372
12815 Lake Blvd
Lindstrom, MN
 

Buying Auto Insurance

You can buy car insurance in different ways, from a variety of sources, depending on the insurance company. Does it make a difference how or where you buy? It might. Let's take a look.

There are essentially four ways to purchase auto insurance. They are:

  • From an agent (employed representative) of an insurance company
  • From an independent agent
  • From an online broker
  • Directly from an insurance company

Some insurance companies use only one of these methods of selling to customers, others may use a combination of methods. Let's look at the advantages and disadvantages of each.

From an insurance company agent
Some national or regional auto insurance companies employ agents who are commissioned sales and support people, and who work directly for the insurance company from small offices located around the country. Allstate, State Farm, and Farmers are examples of companies who work this way. Some people feel that there are benefits to being able to talk to a familiar voice regarding policy questions, billing concerns, renewals, and claim advice. Good agents will even call customers about new discounts or program options that offer cost savings. Just be aware that agents don't administer claims.

From an independent agent
This type of agent is an independent business person or company, often called a broker or agency, that represents a number of different insurance companies. This is most common way that auto insurance, and o...

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