How to Find the Right Insurance Agency in Caldwell

Comparing auto insurance companies in Caldwell, ID can be challenging because there are a lot of options and picking a good Idaho auto insurance agent is harder than just driving to the closest agent’s office. Consumers need an excellent agent, but also affordable rates.

Since consumers have many options when it comes to auto insurance, it’s difficult to pick the best insurance company.

Quote online, buy local

Good agents can help determine the best coverages and help you file claims. The best thing about comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.

Upon completion of this form (opens in new window), your coverage information is emailed to local insurance agents in Caldwell who will compete for your insurance coverage. You don’t have to even leave your home because quoted prices will be sent to the email address you provide. It doesn’t get any easier!

Selecting a car insurance agent should depend on more than just the price. Any agent should be forthright in answering these questions:

  • If you have an accident, will your rates go up?
  • How are they compensated?
  • Can they provide you with a list of referrals?
  • Do they feel the quoted coverages are adequate?
  • Which insurance companies are they affiliated with?

Insurance agent types

If you’re trying to find a reliable agent, there are a couple of types of insurance agents that you can select. Agencies in Caldwell are classified as either independent or captive. Either one can do a good job, but it’s worth learning how they are different because it can influence your agent selection.

Captive Insurance Agents

Captive insurance agents have only one company to place business with like Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies receive extensive training in insurance sales which helps them compete with independent agents.

Shown below is a list of captive insurance agencies in Caldwell willing to provide price quotes.

Farm Bureau Insurance – 4122 Cleveland Blvd – Caldwell, ID 83605 – (208) 459-1604
Farmers Insurance Group – 213 S 10th Ave – Caldwell, ID 83605 – (208) 459-0061
Allstate Insurance – 3110 Cleveland Blvd # A3 – Caldwell, ID 83605 – (208) 459-1713

Independent Agencies or Brokers

These agents are not required to write business for one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.

When comparison shopping, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.

The following is a short list of independent insurance agents in Caldwell that are able to give comparison quotes.

Shaffer-Buck Agency Inc – 901 Main St – Caldwell, ID 83605 – (208) 454-1401
Agency West Insurance – 910 Cleveland Blvd – Caldwell, ID 83605 – (208) 454-1424
Agency West Insurance – 910 Cleveland Blvd – Caldwell, ID 83605 – (208) 454-1424
Idaho Insurance Co – 1117 Cleveland Blvd – Caldwell, ID 83605 – (208) 455-0071

For a complete listing of insurance agents in Caldwell, visit this site.

Upon receiving satisfactory answers to all your questions as well as a affordable price, you have narrowed it down to an insurance agency that meets your needs to properly insure your vehicles.

What if I want to shop online?

Insurance agents serve a purpose, but Idaho car insurance can also be bought direct from companies online. Some car insurance companies who employ agents also give you the option to buy a policy online, so this should also be taken into consideration.

If you’re apprehensive about choosing your own coverages when shopping online, don’t let it bother you. All companies that allow you to purchase coverage provide customer service you can use to get advice on coverages. Additionally, most companies also offer help pages and frequently asked questions that can help answer basic questions.

Do customers save by switching to an online company? It’s difficult to provide an answer because of the fact that insurance companies use many factors that impact your final bill. Some people will tell you that buying car insurance online prevents the agent from taking a cut. For most online online companies, however, getting their brand in front of customers is expensive and this drives up their premium costs.

One last thing about your coverage

Low-cost auto insurance is available on the web in addition to many Caldwell insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Insureds leave their current company for a variety of reasons including denial of a claim, high prices, policy cancellation and even unfair underwriting practices. It doesn’t matter why you want to switch switching companies can be pretty painless.

Idaho insurance information

More tips and info about auto insurance can be found at the Idaho Department of Insurance website. Idaho drivers can learn about specific coverages, get help finding coverage, and find a variety of consumer forms.

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