Selecting a car insurance company in Urbandale, IA can be time consuming since picking a good Iowa insurance agency is more difficult than just randomly choosing from the yellow pages. Consumers require a good agent that listens to you, and also affordable rates.
Since consumers have many options when it comes to car insurance, it’s nearly impossible to choose the most affordable insurance company.
Save time by quoting online
Educated insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing rates online is the fact that you can find the best rates and still have an agent to talk to.
After completing this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Urbandale who will give you bids for your insurance coverage. You won’t need to leave your computer as quotes are delivered straight to your inbox. How cool is that?!
Choosing a car insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- How many years of experience in personal lines insurance coverages do they have?
- What insurance companies do they work with?
- Are they full-time agents?
- How often do they review policy coverages?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Will their companies depreciate repairs to your car based on the mileage?
- Who is covered by the car insurance policy?
Two types of car insurance agents
If you’re trying to find a local agent, there are a couple of types of insurance agents from which to choose. Agencies in Urbandale are categorized either independent (non-captive) or captive. Both write coverage properly, but it’s worth learning the difference between them since it can impact your agent selection.
This type of agents work for only one company such as Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so always compare other rates. Captives receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents mainly due to high brand loyalty and solid financial strength.
The following are captive insurance agencies in Urbandale that can give you price quote information.
- State Farm Insurance – 2955 100th St – Urbandale, IA 50322 – (515) 278-8882
- Shelter Insurance – 2400 86th St # 1s – Urbandale, IA 50322 – (515) 270-0928
- Allstate Insurance – 8515 Douglas Ave # 17 – Urbandale, IA 50322 – (515) 278-4681
- American Family Insurance – 7020 Douglas Ave # F – Urbandale, IA 50322 – (515) 270-1232
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.
When comparison shopping, we recommend you include price quotes from several independent insurance agents to have the most options to choose from. They often place coverage with different regional companies which may provide better rates.
The following are independent insurance agents in Urbandale willing to provide rate quotes.
- Mc Cauley-Schuler Insurance – 4214 101st St – Urbandale, IA 50322 – (515) 457-7824
- Agency Marketing Group LLC – 10546 Justin Dr – Urbandale, IA 50322 – (515) 334-7377
- Jonathan Augspurger Agency – 10621 Justin Dr – Urbandale, IA 50322 – (515) 276-5084
- Richard Guffy Agency – 8525 Douglas Ave # 33 – Urbandale, IA 50322 – (515) 727-1452
- Rankin Insurance – 7012 Madison Ave # D – Urbandale, IA 50322 – (515) 276-6310
To view a full list of Urbandale insurance agents, go to this page.
Upon getting acceptable answers as well as a affordable price, you have narrowed it down to an insurance agency that meets your needs to properly service your car insurance policy.
Have you considered online alternatives?
Insurance agencies are important, but you also have the option of buying Iowa car insurance from online companies direct. Some car insurance companies like State Farm and Allstate who have local agents in Urbandale also permit you to buy online, and that can save time.
If you’re apprehensive about selecting your own policy coverages when buying online, don’t sweat it. Car insurance companies provide phone numbers and online resources for getting the best coverage.
When shopping for low rates, the only way to find out whether online companies or local agents have lower rates is to get free quotes from both and compare them. Lots of times people will get different prices for the identical company from their online quote form as compared to an agent.
Are online premiums lower? Many people think so, but it’s hard to say for sure because of the fact that insurance companies use many factors that can increase policy rates. It’s logical to say that shopping online for auto insurance saves the cost of an agent commission. For most companies selling online, however, marketing expenses are significant and this drives up their premium costs.
Additional detailed information can be found at the Iowa Insurance Division website. Iowa drivers can find disaster information, find out industry alerts, and learn about specific coverages.
Keep this in mind
When shopping online for car insurance, never reduce coverage to reduce premium. In many instances, someone dropped liability coverage limits only to find out that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.
Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, delays in responding to claim requests or high prices. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.