Comparing car insurance companies in Davenport, Iowa can be challenging because choosing the right Davenport car insurance agent is not as easy as just randomly choosing from the yellow pages. There is a good chance you’re not only searching for a great agent that can assess your needs, but you also want great rates as well.
With American Family, Allstate, State Farm and Farmers having offices in Davenport, it’s hard to tell which auto insurance agent will provide you with the lowest rates and best service. Fortunately, consumers can get insurance quotes online to assemble a group of agencies from which to choose.
Comparing rates from local agents
Insurance agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing insurance prices online is you can get the best rates and still have an agent to talk to. And supporting local agencies is important particularly in Davenport.
Once you complete this short form, your information is submitted to insurance agents in Davenport who will return price quotes for your insurance coverage. You never need to leave your computer because quoted prices will be sent straight to your inbox. How cool is that?!
Is a captive or independent insurance agent right for you?
When looking for a good Davenport insurance agent, you must know there are a couple types of insurance agents that you can select. Agents are classified as either captive or independent (non-captive). Both do a good job, but it’s worth learning the differences because it can impact your agent selection.
Independent Agents (or Brokers)
Independent agents are not required to write business for one company but rather can write business with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, you should always include price quotes from multiple independent agents for maximum quote selection. They also have the ability to place coverage with different regional companies which can be an advantage.
Shown below is a short list of independent insurance agents in Davenport that can give you price quotes.
- Humana Agency – 516 W 35th St – Davenport, IA 52806 – (563) 386-7170
- Butler Insurance Svc Inc – 215 N Main St # 800 – Davenport, IA 52801 – (563) 327-2200
- Beyer and Co Insurance – 2322 E Kimberly Rd – Davenport, IA 52807 – (563) 823-1999
Captive insurance agents are contracted to one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They generally cannot compare other company’s rates so they have to upsell other benefits. These agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below are Davenport captive insurance agents who can help you get comparison quotes.
- American Family Insurance – 2005 Hickory Grove Rd – Davenport, IA 52804 – (563) 322-7178
- Farm Bureau Insurance – 1850 E 53rd St # 1 – Davenport, IA 52807 – (563) 344-0899
- State Farm Insurance – 2322 E Kimberly Rd – Davenport, IA 52807 – (563) 355-5059
- Allstate Insurance – 516 W 35th St – Davenport, IA 52806 – (563) 386-4053
To view a complete directory of car insurance agents in Davenport, please click here.
Deciding on an insurance agency shouldn’t rely on just the price. These are valid questions to ask:
- Will your rates increase after a single accident?
- Can they give you a list of client referrals?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they feel the quoted coverages are adequate?
- Are you getting all the discounts the company offers?
- Do they regularly work with personal auto policies?
- What insurance companies do they recommend if they are an independent agent?
After receiving acceptable answers to these questions and locked in a price quote, most likely you have located an insurance agent that can adequately provide car insurance.
What if I want to compare online rates?
Local insurance agents are perfect for certain consumers, but you can also find affordable Iowa auto insurance from companies direct over the internet. Some car insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, additionally provide the ability to buy a policy online. This is something to consider.
If you’re worried about choosing your own coverages when buying car insurance direct, this is a normal reaction for first-time shoppers. Companies that require consumers to choose their own coverages have customer service departments to help you decide which coverages are appropriate.
Does coverage cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many components that influence the price you pay. It’s a logical assumption that buying direct lowers rates due to not having any agent compensation. In reality, marketing expenses are significant so there may not be significant savings.
As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured dropped physical damage coverage and learned later that it was a big mistake. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.
Cost effective car insurance can be found from both online companies in addition to many Davenport insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
More information is located on the Iowa Insurance Division website located here. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, read consumer alerts, and find a variety of consumer forms.
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