How to Get the Best Price from Cedar Falls Auto Insurance Agencies

To find a good insurance agent in Cedar Falls, Iowa, we recommend you begin your search by getting online comparison quotes in order to save time. The chances are good you not only want a highly trained agent, but also the lowest possible price.

With companies like American Family, Allstate, State Farm and Farmers all competing for your business, it’s hard to tell which provider will provide the cheapest rates and the best coverage. Thankfully, you can use online price quotes to assemble a group of agents and thier coverage prices.

Car Insurance from Cedar Falls insurance agents

Professional agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing rates online is you may find lower rates but also keep your business local. Supporting local insurance agencies is important particularly in Cedar Falls.

Once you complete this simple form, your insurance coverage information is transmitted to participating agents in Cedar Falls who will give you bids to get your business. There is no need to drive around due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! You can find the lowest rates AND a local agent.

Do you need an independent or captive insurance agent?

When finding local Cedar Falls agents, you need to know there are two types of insurance agents to choose from. Insurance agencies in Cedar Falls are either captive or independent.

Independent Agents (or Brokers)

These agents are not required to write business for one company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.

When searching for an agent, it’s recommended you include price quotes from multiple independent agents for the best price selection. Many write coverage with lesser-known insurance companies which can save you money.

Below are independent agencies in Cedar Falls who can help you get pricing information.

  • Federated Insurance – 5240 Ranchero Rd – Cedar Falls, IA 50613 – (319) 988-9875
  • Lincoln Savings Bank Insurance – 301 Washington St – Cedar Falls, IA 50613 – (319) 268-9876
Agency Captives

Captive agents work for only one company and some examples include AAA, Allstate and State Farm. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Captive agents receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often purchase coverage from captives primarily because of the brand legacy and strong financial ratings.

Listed below are captive insurance agencies in Cedar Falls that can give you comparison quotes.

  • Shelter Insurance – 122 W 4th St – Cedar Falls, IA 50613 – (319) 277-7848
  • Allstate Insurance – 4807 University Ave # 104 – Cedar Falls, IA 50613 – (319) 277-5920
  • State Farm Insurance – 1025 Technology Pkwy # D – Cedar Falls, IA 50613 – (319) 273-8500
  • American Family Insurance – 4901 University Ave # C – Cedar Falls, IA 50613 – (319) 277-0120

To view a full list of auto insurance agents in Cedar Falls, please click here.

Selecting an auto insurance agent requires more thought than just the premium amount. Agents should be asked these questions:

  • What insurance company do they write the most business with?
  • How long has their agency been in business in Cedar Falls?
  • If you have an accident, will your rates go up?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Did they already check your driving record and credit reports?
  • What insurance companies do they recommend if they are an independent agent?
  • What is the agency’s Better Business Bureau rating?

Upon receiving positive feedback for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agency that can properly insure your vehicles.

But what about GEICO and Esurance?

Local insurance agents are perfect for certain consumers, but Iowa drivers can also buy direct from companies online. Some car insurance companies, such as State Farm, Allstate and Farmers, who sell through agents in Cedar Falls also give you the option to buy online, so that should be considered as an alternative to contacting agents.

If you’re worried about not having an agent to talk to when shopping online, don’t sweat it. All companies that allow you to purchase coverage give you access to trained agents for getting questions answered. They also offer extensive coverage information and 24/7 assistance to help you make a buying decision.

If you’re not set on any one company, the best way to find out if the best rates are online or from local agents is comparing prices for both of them. Even though it sounds odd, people frequently get different pricing from online quotes as they do from local agents for the exact same company. But it’s difficult to know if the lower rates are from agents or online without getting separate quotes each way.

Will auto insurance cost less online? That question is hard to answer due to the fact that there are multiple individual factors that impact your rate calculation. It’s a common assumption that buying directly from the company saves by not paying a commission. For most online online companies, however, advertising and marketing take a lot of money so the rates may be similar to buying from an agent.

Additional information is located on the Iowa Insurance Division website. Click here for link. Visitors are able to find out which companies have the most complaints, file complaints about an insurance agent or broker, and download brochures.

The following articles may also be useful.

Cedar Falls Iowa agents

Smart consumers save more

As you shop your coverage around, never reduce needed coverages to save money. Too many times, an insured cut liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

People leave their current company for a number of reasons such as being labeled a high risk driver, poor customer service, denial of a claim or policy non-renewal. It doesn’t matter what your reason, finding a new auto insurance company can be easier than you think.