Easy Guide to Researching an Eagle Auto Insurance Agent

If you’re trying to find an insurance agent in Eagle, Idaho, it’s recommended you do an initial search online in order to save time. Most likely you’re wanting a professional agent, but you also want the best rates possible.

With insurance companies like American Family, Allstate, State Farm and independent agents all competing for business in Eagle, it’s hard to tell which car insurance agent will have the lowest rates and best service. Thankfully, it’s easy to use online quoting to assemble a group of insurance agents from which to choose.

Save time by quoting online

Educated insurance agents can point out coverage gaps and help you file claims. One of the best bonuses of price shopping on the web is you can get better rates but still work with a licensed agent. Supporting local insurance agencies is important especially in Eagle.

Once you complete this quick form, your insurance coverage information is submitted to participating agents in Eagle who will return price quotes for your insurance coverage. You never need to drive around since price quotes are sent directly to your email. How cool is that?!

Eagle insurance agents come in two flavors

When finding a reliable agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Eagle agents are classified as either captive or independent (non-captive). Both write coverage properly, but it’s good to learn the difference between them since it may influence the type of agent you choose

Independent Agencies or Brokers

Independent agencies are not locked into one company so they have the ability to put coverage with many different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When comparison shopping, it’s recommended you include price quotes from at a minimum one independent agency for the best price selection. Most have the option of insuring with different regional companies which may provide better rates.

Shown below are Eagle independent agents who can help you get comparison quotes.

  • Boise Basin Insurance Inc – 380 W State St – Eagle, ID 83616 – (208) 939-8548
  • Lyle Insurance Inc – 360 W State St – Eagle, ID 83616 – (208) 939-1484
Captive Agents

Captive insurance agents work for only one company like American Family, Liberty Mutual and AAA. They usually cannot provide prices from multiple companies so they have to upsell other benefits. Captives receive extensive training on their products and sales techniques which can be an advantage. Consumers frequently purchase coverage from captives primarily because of the brand legacy and the convenience of having all coverages with one company.

The following is a list of captive insurance agents in Eagle willing to provide price quotes.

  • State Farm Insurance – 664 S Rivershore Ln # 164 – Eagle, ID 83616 – (208) 938-4975
  • Farmers Insurance Group – 619 E State St – Eagle, ID 83616 – (208) 939-8485
  • American Family Insurance – 408 S Eagle Rd # 109 – Eagle, ID 83616 – (208) 938-4901

For a full directory of auto insurance agents in Eagle, go to this page.

Deciding on an insurance agency should depend on more than just the premium amount. Agents should be asked these questions:

  • Is the agent and/or agency licensed to do business in Idaho?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are claims handled at the agent’s location?
  • Can they give you a list of client referrals?
  • Will your rates increase after a single accident?
  • Do they specialize in personal lines coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • If your car is in the repair shop, do you have coverage for a rental car?

Upon receiving positive feedback to these questions and a low price estimate, chances are good that you have found an insurance agent that will adequately provide auto insurance.

Can you buy online and save?

Licensed agents serve a purpose, but Idaho consumers also have the option to buy direct online. Certain auto insurance companies who sell through the agent channel also allow consumers to buy direct on their websites, so that should be considered if you are the do-it-yourself type.

If you’re worried about whether or not you’ll have guidance when buying online, don’t sweat it. Online companies have toll-free phone numbers and other options to answer any questions you may have. You may also access online help and live chat to help with the buying process.

Does coverage cost less online? Many people think so, but it’s hard to say for sure because of the number of factors that can increase policy rates. It’s a logical assumption that buying online cuts out the agent as a middleman. But in reality, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.

Consumer auto insurance information in Idaho

Additional auto insurance information is located on the Idaho Department of Insurance website found here. Consumers can read consumer alerts, learn about insurance regulations, get help finding coverage, and find disaster information.

The articles below may also help you learn more about auto insurance in Eagle

Eagle ID insurance agency

And the best car insurance company is…

Low-cost auto insurance is available online and with local Eagle insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured dropped collision coverage and found out when filing a claim that it was a big error on their part. Your goal should be to get the best coverage possible for the lowest price.