Finding the Right Auto Insurance Provider in Waterloo

If you’re trying to find an insurance agent in Waterloo, IA, you can always begin your search by getting online comparison quotes to save yourself time. You require a good agent that listens to you, but also cheap rates.

There is such a variety of insurance agents to choose from, and though it is a good thing to have a selection, it can be more challenging to compare company pricing.

Neighborhood insurance agents

Professional agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing rates online is that you can obtain the best rates and still have an agent to talk to.

By using this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Waterloo who will compete for your insurance coverage. You don’t have to leave your house because quoted prices will be sent straight to your inbox. How’s that for easy!

Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Who are their largest clients?
  • Are you getting all the discounts the company offers?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Does the agency support the community they serve?

Compare rates from both independent and captive insurance agencies

When looking for a reliable agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Waterloo agents can either be independent or captive. Both properly insure your vehicles, but it’s important to know how they differ because it can influence your selection of an agent.

Agency Captives

Captive agencies can only place business with one company and some examples include State Farm, AAA and Liberty Mutual. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Listed below are Waterloo captive agencies willing to provide comparison quotes.

State Farm Insurance – 1809 University Ave – Waterloo, IA 50701 – (319) 236-1099
Farmers Insurance Group – 501 Sycamore St # 120 – Waterloo, IA 50703 – (319) 433-0212
Shelter Insurance – 3017 University Ave – Waterloo, IA 50701 – (319) 235-8090
American Family Insurance – 820 Laporte Rd – Waterloo, IA 50702 – (319) 233-1555
Allstate Insurance – 3120 Kimball Ave # A – Waterloo, IA 50702 – (319) 235-3008

Independent Agents (or Brokers)

These agents do not work for one specific company but rather can write business with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

When searching for an agent, it’s recommended you include price quotes from multiple independent agents for the best price selection.

Listed below is a list of independent insurance agencies in Waterloo that can give you price quotes.

Members Insurance – 1827 Ansborough Ave – Waterloo, IA 50701 – (319) 236-6711
Elliott-Hartman Agency – 611 Ansborough Ave – Waterloo, IA 50701 – (319) 233-8459
Gordon Insurance – 3811 Tami Ter – Waterloo, IA 50702 – (319) 232-5962
Jr Finch Agency – 830 Laporte Rd – Waterloo, IA 50702 – (319) 234-7736
Sinnott Agency – 622 W 4th St – Waterloo, IA 50702 – (319) 233-6103

To view a complete directory of Waterloo insurance agents, visit this site.

After receiving acceptable answers to any questions you have as well as a affordable price, you have narrowed it down to an auto insurance agent that will service your policy.

The online alternatives

Car insurance agents are important to many people, but you also have the option of buying Iowa car insurance directly from online companies. A few companies who sell through agents in Waterloo also let you get a quote and buy online, and that can save time if you don’t want to take the time to contact agents.

If you’re anxious about choosing your own coverages when buying direct, this is normal but is quickly overcome. Car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options to answer any questions you may have. Also available are 24/7 live help and a car insurance FAQ section that can help answer basic questions.

Is it cheaper to buy car insurance online? The answer is complex due to the large number of individual components which can raise or lower premium rates. It would make sense to think that shopping direct saves by not paying a commission. In many cases, there are high advertising and marketing costs and this drives up their premium costs.

Waterloo Iowa insurance agents

Do the work, save more money

Drivers who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, an unsatisfactory settlement offer or policy non-renewal. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

Lower-priced auto insurance can be sourced on the web as well as from independent agents in Waterloo, and you need to price shop both to have the best rate selection. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional detailed information can be read at the Iowa Insurance Division website. Visitors are able to find a variety of consumer forms, read consumer alerts, learn about insurance regulations, and find out which companies have the most complaints.

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