When pricing car insurance in Bettendorf, IA, you have many choices and selecting the best Bettendorf insurance agency for your needs is not as easy as just calling the closest agent. Consumers need a friendly agent, and also the best possible rates.
Because there are so many companies to choose from, it is very difficult to find the most affordable company.
Shop online but buy locally
Insurance agents can answer important questions and help in the event of a claim. The biggest benefit of getting online price quotes is the fact that you can find the lowest rates and still have an agent to talk to.
Once you complete this short form, the quote information is emailed to agents in your area who will compete for your coverage. You don’t have to visit any agencies because quoted prices will be sent to your email. How cool is that?!
Deciding on an auto insurance agent shouldn’t rely on just a low price. Any agent should have no problem answering these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How often do they review policy coverages?
- Will their companies depreciate repairs to your car based on the mileage?
- If your car is totalled, how to they determine the replacement cost?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Does the agency support the community they serve?
- How long has their agency been in business in Bettendorf?
- Does the company allow you to choose your own collision repair facility?
The difference between Bettendorf auto insurance agents
If you’re trying to find a local agent, there are a couple of types of insurance agents from which to choose. Insurance agencies in Bettendorf are classified as either captive or independent (non-captive). While both can properly insure your vehicles, but it’s important to know the differences since it may influence your selection of an agent.
Captive Insurance Agents
Captive agents have only one company to place business with and some examples include AAA, Allstate and State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. They are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Below is a short list of captive insurance agencies in Bettendorf that are able to give price quotes.
American Family Insurance – 2500 18th St – Bettendorf, IA 52722 – (563) 355-4550
Farmers Insurance Group – 2435 Kimberly Rd # 105n – Bettendorf, IA 52722 – (563) 355-5525
State Farm Insurance – 3580 Utica Ridge Rd – Bettendorf, IA 52722 – (563) 344-3800
Allstate Insurance – 2705 Kimberly Rd # 1 – Bettendorf, IA 52722 – (563) 359-4644
Independent Insurance Agents
Independent insurance agents do not work for one specific company but rather can write business with lots of companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part.
When comparing rates, you should always include price quotes from multiple independent agents to ensure the widest selection of prices.
The following are Bettendorf independent insurance agents willing to provide comparison quotes.
A J Assurance Agency – 2395 Tech Dr # 10 – Bettendorf, IA 52722 – (563) 332-7978
Motorist Insurance Group – 2117 State St – Bettendorf, IA 52722 – (563) 359-0993
Fred Belk Agency – 2395 Tech Dr # 9 – Bettendorf, IA 52722 – (563) 332-8953
Seth Rowland Agency – 3456 Holiday Ct # B – Bettendorf, IA 52722 – (563) 332-3209
Insurance and Retirement Plng – 4345 Amesbury Dr – Bettendorf, IA 52722 – (563) 355-5940
For a full directory of car insurance agents in Bettendorf, click here to link.
After getting acceptable answers and an affordable coverage quote, it’s possible that you found an insurance agency that meets your needs to adequately provide car insurance.
Have you considered online alternatives?
Car insurance agents are perfect for certain consumers, but you can also find affordable Iowa auto insurance direct online. Some specific companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also permit you to buy direct on their websites, and that can save time if you don’t want to take the time to contact agents.
If you’re uneasy about not having professional advice when buying direct, that shouldn’t be an issue. Online car insurance companies have toll-free phone numbers and other options for getting the best coverage.
Do online companies provide lower prices? Whether or not you’ll save is impossible to say due to the fact that there are multiple individual factors that impact your premium. It’s a common assumption that buying direct cuts out the middleman. For most online online companies, however, online and traditional media advertising are expensive so the lack of a commission may be a wash.
If you have the time, the only way to find out if local insurance agents or online providers are cheaper is to get price quotes for both. It’s even possible to receive different pricing for the exact same company from their agents and their website.
More comparisons equals lower rates
When you buy insurance online, you should never reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
People who switch companies do it for many reasons like unfair underwriting practices, policy non-renewal, high rates after DUI convictions and even questionable increases in premium. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
Even more information can be found at the Iowa Insurance Division website. Consumers can find disaster information, find out industry alerts, and learn about insurance regulations.
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