Quick Guide to Finding a Nampa Car Insurance Agent

Selecting a auto insurance company in Nampa, ID can be time consuming since there are a lot of options and picking a good Idaho car insurance agent takes more work than just making a phone call. You require a friendly agent, and also cheap rates.

Lots of insurance agents contend for your insurance dollar, so it’s not easy to compare every insurance agent and get the definite best price available.

Neighborhood insurance agents

Agents can answer important questions and give you someone to call. The best thing about comparing insurance prices online is that you can obtain lower rates and still choose a local agent.

After completing this form (opens in new window), the quote information is sent to companies in Nampa who will return price quotes for your business. You never need to leave your computer because quoted prices will be sent directly to your email. How’s that for easy!

Selecting a car insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:

  • Who are their largest clients?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Can they give you a list of client referrals?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Does the agency provide any after hours assistance?
  • How long has their agency been open in Nampa?

Types of insurance agencies in Nampa

When looking for a reliable agent, there are two different agency structures to choose from. Nampa agents are categorized either captive or independent. Either one can properly insure your vehicles, but it’s important to know the difference between them because it can influence your agent selection.

Captive Insurance Agents

These agents can only write with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to give you multiple price quotes so they have to upsell other benefits. They are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent partially due to high brand loyalty and the convenience of having all coverages with one company.

The following are Nampa captive agencies willing to provide comparison quotes.

  • State Farm Insurance – 1621 12th Ave Rd – Nampa, ID 83686 – (208) 461-4411
  • Farm Bureau Insurance – 224 12th Ave Rd – Nampa, ID 83686 – (208) 463-1194
  • Allstate Insurance – 1609 N Parkcentre Pl – Nampa, ID 83651 – (208) 461-2202
  • American Family Insurance – 2414 12th Ave Rd – Nampa, ID 83686 – (208) 461-2245
  • Farmers Insurance Group – 119 S Valley Dr – Nampa, ID 83686 – (208) 466-2101
Independent Insurance Agents

These agents do not work for one specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to get quotes from several independent insurance agents to get the best comparison.Many can place coverage with different regional companies which may provide better rates.

The following are independent agents in Nampa who can help you get price quote information.

  • Sellman Agency – 1314 12th Ave S – Nampa, ID 83651 – (208) 442-6800
  • W W Deal Insurance – 917 2nd St S – Nampa, ID 83651 – (208) 466-2465
  • Chambers Insurance – 811 12th Ave S – Nampa, ID 83651 – (208) 465-0333

For a full directory of Nampa insurance agents, please go to this site.

After receiving reasonable responses in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that will provide auto insurance coverage.

Include online companies when price shopping

Licensed agents are a valuable resource, but you can also buy Idaho car insurance direct from companies that only sell online. A few companies who sell through agents in Nampa also allow consumers to quote and buy online, so keep that in mind and can also potentially find you lower rates.

If you’re apprehensive about not having an agent to talk to, that is normal but is not a big issue. All companies provide customer service you can use to get advice on coverages. Consumers also can use 24/7 live help and a car insurance FAQ section that you can use before buying.

Are online companies cheaper? Many people think so, but it’s hard to say for sure because of the fact that insurance companies use many factors that can increase policy rates. It’s often assumed that shopping direct lowers rates due to not having any agent compensation. But the fact is, online and traditional media advertising are expensive and this tends to eat up any savings.

Additional detailed information is available at the Idaho Department of Insurance website. Idaho consumers can learn about specific coverages, learn about insurance regulations, and read state legal mandates and laws.

The following information may also be useful.

Compare but don’t skimp

Drivers leave their current company for any number of reasons including high prices, delays in responding to claim requests, questionable increases in premium or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is easier than you think.

Budget-conscious auto insurance is available online as well as from independent agents in Nampa, and you need to comparison shop both to have the best selection. Some companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.