To locate a good insurance agent in Clive, IA, we recommend you do the preliminary legwork for an agent online to save time. You require a decent agent, and also want to find the best price on car insurance.
With so many options, it’s nearly impossible to choose the right company.
Why do I need an agent?
Professional agents can help determine the best coverages and help submit paperwork. The best thing about price shopping on the web is that you can obtain better rates and still have an agent to talk to.
Upon completion of this simple form, your insurance coverage information gets sent to local insurance agents who will give you bids for your insurance coverage. There is no need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?!
Selecting an auto insurance agent requires more thought than just a low price. Some important questions to ask are:
- How many years of experience in personal lines insurance coverages do they have?
- What insurance companies do they work with?
- How are they compensated?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is working in the agency their full-time job?
- Is the agent and/or agency licensed to do business in Iowa?
- Are claims handled at the agent’s location?
- If you have an accident, will your rates go up?
Is a captive or independent auto insurance agent right for you?
When researching local Clive agents, you need to know there are two different agency structures that differ in how they can insure your vehicles. Clive agents are categorized either captive or independent (non-captive). Either one can write coverage properly, but it’s good to learn the difference between them since it may influence the selection process.
Captive Insurance Agents
This type of agents write business for a single company and some examples include AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Below are Clive captive insurance agents who can help you get comparison quotes.
Shelter Insurance – 11140 Hickman Rd – Clive, IA 50325 – (515) 278-9886
Allstate Insurance – 8980 Hickman Rd # 206 – Clive, IA 50325 – (515) 276-2541
American Family Insurance – 8450 Hickman Rd # 14d – Clive, IA 50325 – (515) 278-6132
State Farm Insurance – 13435 University Ave # 550 – Clive, IA 50325 – (515) 226-9956
Independent Agents (or Brokers)
Independent agents do not work for one specific company but rather can write business amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When shopping rates, you should always get quotes from multiple independent agents for the best price selection.
Listed below is a short list of independent insurance agents in Clive willing to provide price quote information.
Jim Gengler Agency Inc – 8350 Hickman Rd # 120 – Clive, IA 50325 – (515) 276-6960
Dennis R Hill Agency – 2190 NW 82nd St # 3 – Clive, IA 50325 – (515) 276-3822
Joni M Givant Agency – 13375 University Ave # 301 – Clive, IA 50325 – (515) 331-4200
Independent Insurance Assoc – 8230 Hickman Rd # A – Clive, IA 50325 – (515) 276-1797
Osborne Insurance Svc Inc – 8435 University Blvd # 7 – Clive, IA 50325 – (515) 223-1950
To view a full list of car insurance agents in Clive, please view this page.
Once you have answers to your satisfaction to any questions you have and an affordable coverage quote, chances are good that you have found an insurance agent that meets your needs to service your policy.
Do online insurance companies have better rates?
Insurance agencies are important to many people, but you can also find affordable Iowa auto insurance direct from companies online. Certain companies who have local Clive agents also allow consumers to buy direct online. This is something to consider if you’re trying to lower your rates.
If you’re uneasy about whether or not you’ll have guidance when buying car insurance direct, that is quite common when buying online the first time. Online companies that allow you to purchase coverage provide customer service to help you decide which coverages are appropriate. Additionally, most companies also offer online help and live chat to make it easier to purchase.
Is pricing better online? The answer is complex because there are many components which can adversely affect your policy premium. It would make sense to think that shopping direct reduces premiums because there is no agent. But in most cases, advertising budgets are huge and that can quickly cost more than paying an agent.
Even more information is available at the Iowa Insurance Division website. Iowa drivers can discover disciplinary actions, read state legal mandates and laws, and learn about insurance regulations.
Other useful links include Auto Insurance 101 and CarInsuranceDIY.com.
One last thing about your coverage
As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.
Cheap car insurance is possible online and with local Clive insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.