When buying auto insurance in Idaho Falls, finding the best Idaho insurance agency is not as easy as just picking up the phone. You require a good professional insurance agent, and also affordable rates.
Many car insurance agents compete to insure your vehicles, so it can be very hard to choose a insurance agent to get the cheapest price
How to buy auto insurance from an agent in Idaho Falls
Agents can help determine the best coverages and give you someone to call. The biggest benefit of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent.
To find an agent, once you fill out this quick form, the coverage information is transmitted to local insurance agents who will compete to get your business. You never need to even leave your home as quotes are delivered to your email. Now that’s easy!
Deciding on an insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Do they feel the quoted coverages are adequate?
- Which company do they place the most coverage with?
- Is working in the agency their full-time job?
- Who is covered by the car insurance policy?
- Will their companies depreciate repairs to your car based on the mileage?
The type of insurance agent you choose is important
If you’re trying to find an insurance agent, there are a couple of different agency structures that you can select. Idaho Falls agents are classified as either independent or captive. Both types can insure your vehicles, but it’s worth mentioning how they differ because it can impact your agent selection.
Captive Insurance Agents
Captive agents can only write with one company such as Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are well schooled in insurance sales and that can be a competitive advantage.
Listed below is a short list of captive insurance agents in Idaho Falls who can help you get price quote information.
Liberty Mutual Insurance – 563 S Woodruff Ave – Idaho Falls, ID 83401 – (208) 528-8023
Farm Bureau Insurance – 1655 Hollipark Dr – Idaho Falls, ID 83401 – (208) 522-2652
Farmers Insurance Group – 460 Cleveland St – Idaho Falls, ID 83401 – (208) 524-5551
Allstate Insurance – 100 N Woodruff Ave – Idaho Falls, ID 83401 – (208) 557-0727
State Farm Insurance – 251 S Woodruff Ave – Idaho Falls, ID 83401 – (208) 529-1717
American Family Insurance – 610 S Woodruff Ave – Idaho Falls, ID 83401 – (208) 557-0104
Independent Insurance Agents
Independent agents are not locked into one company so they can insure your vehicles with many different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When shopping rates, we recommend you include price quotes from several independent insurance agents for the best price selection.
The following is a list of independent agents in Idaho Falls willing to provide price quote information.
Harrigfeld Agency – 1650 S Woodruff Ave – Idaho Falls, ID 83404 – (208) 529-1503
Premier Insurance – 1465 N Skyline Dr – Idaho Falls, ID 83402 – (208) 522-1260
Renold Marcon Agency – 575 N Ridge Ave – Idaho Falls, ID 83402 – (208) 523-1850
Barth and Assoc Insurance – 1858 1st St – Idaho Falls, ID 83401 – (208) 529-4648
For a complete listing of auto insurance agents in Idaho Falls, click here to link.
Upon receiving positive responses to your questions and a low price estimate, you’ve probably found an insurance agent that will properly service your auto insurance policy.
Do online insurance companies have lower rates?
Local insurance agents are indespensible for some people, but Idaho car insurance can also be bought direct online. Some companies who sell through the agent channel also let you buy a policy online, and consumers should do that if finding the best price is important.
If you’re concerned about choosing your own coverages when buying online, this is a normal reaction for first-time shoppers. All companies all have toll-free customer service to answer any questions you may have. You may also access extensive coverage information and 24/7 assistance you can access prior to buying.
Will buying online save you money? The answer to that question is complicated since there are so many components that influence how your policy is priced. Some people will tell you that a consumer who buys direct prevents the agent from taking a cut. For most online online companies, however, there are very high advertising costs so there may not be significant savings.
Better coverage you can count on
Cheap auto insurance is available online as well as from independent agents in Idaho Falls, so you should compare both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
For more reading
Even more information can be found at the Idaho Department of Insurance website. Consumers can read consumer alerts, read enforcement actions against agents and companies, and read industry bulletins.
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