West Des Moines Iowa Car Insurance Buying Tips You Aren’t Supposed to Know

Overpriced car insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. You have multiple car insurance companies to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to find the best rates.

Shopping for affordable coverage in West Des Moines can be fairly easy. If you have insurance now or need a new policy, you can follow these tips to find the best rates while maximizing coverage. Iowa drivers only need to know the most effective way to compare prices on the web.

Comprehensive West Des Moines Car Insurance Comparison

All the larger car insurance companies such as 21st Century, Allstate and State Farm give pricing directly from their websites. Getting quotes is fairly straightforward as you just type in your coverage preferences as requested by the quote form. Once you submit the form, their rating system makes automated requests for reports for credit and driving violations and returns pricing information based on these and other factors. Online price quotes makes comparing rates easy, but having to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s very important to perform this step if you are searching for a lower rate.

Quote rates the easy way

An easier way to get multiple rate quotes makes use of a single form that analyzes rates from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much more efficient. Once the form is submitted, it is rated with multiple companies and you can pick any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate exactly as they are listed on your policy. Using the same limits helps guarantee you will have a rate comparison for the exact same coverage.

When might I need help?

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might point out whether your personal situation will benefit from professional help.

  • What should my uninsured motorist coverage limits be in Iowa?
  • Does liability extend to a camper or trailer?
  • What are Iowa no-fault laws?
  • What are the best liability limits?
  • What are the financial responsibility laws in Iowa?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if I drive in a foreign country?
  • Which companies will insure high-risk drivers?
  • Do I have coverage if my license is suspended?
  • Does my vehicle need full coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-52.jpg" alt="West Des Moines IA car insurance” />

But don’t I need an insurance agent?

A small number of people prefer to get advice from a local agent and that is a personal choice. Insurance agents can help determine the best coverages and help you file claims. The best thing about price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. Buying from local agencies is especially important in West Des Moines.

By using this form (opens in new window), your information is immediately sent to participating agents in West Des Moines who will return price quotes for your business. There is no need to even leave your home as quotes are delivered immediately to your email address. Now that’s easy!

The difference between West Des Moines car insurance agents

When searching for a reputable insurance agent or broker, there are two types of agencies that differ in how they can insure your vehicles. Agents are classified as either captive or independent. Both types can properly insure your vehicles, but it’s good to learn the differences since it can impact the type of agent you choose

Independent Insurance Agents

These agents do not work for one specific company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and that require little work on your part.

When searching for an agent, we recommend you include price quotes from multiple independent agents to have the most options to choose from.

Listed below is a short list of independent insurance agencies in West Des Moines that can give you price quotes.

Carl Konz Agency – 6800 Lake Dr # 295 – West Des Moines, IA 50266 – (515) 222-0776
Chubb Group Of Insurance Co – 4600 Westown Pkwy # 207 – West Des Moines, IA 50266 – (515) 440-8140
James Bellman Agency – 1501 42nd St # 230 – West Des Moines, IA 50266 – (515) 224-6404
American Republic Insurance Co – 950 Office Park Rd # 114 – West Des Moines, IA 50265 – (515) 223-5447
Asset Protection Agency – 1466 28th St # 100 – West Des Moines, IA 50266 – (515) 223-1600

Captive Insurance Agents

Captive insurance agents can only write with one company and some examples include American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so always compare other rates. Captive agencies are trained well on their company’s products which helps them compete with independent agents.

Listed below are West Des Moines captive agencies willing to provide rate quotes.

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American Family Insurance – 5500 Westown Pkwy # 180 – West Des Moines, IA 50266 – (515) 223-1145
State Farm Insurance – 4150 Westown Pkwy # 305 – West Des Moines, IA 50266 – (515) 224-6062
Allstate Insurance – 1355 50th St # 300 – West Des Moines, IA 50266 – (515) 223-2345
Shelter Insurance – 2600 Vine St # 440 – West Des Moines, IA 50265 – (515) 224-0559

For a complete listing of car insurance agents in West Des Moines, please go to this site.

Deciding on an auto insurance agent requires more thought than just a low price. Some important questions to ask are:

  • If you are a high risk driver, do they have special markets for your coverage?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • What insurance companies do they work with?
  • What insurance company do they write the most business with?
  • Do they regularly work with personal auto policies?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do the coverages you’re quoting properly cover your vehicle?

Once you have positive feedback to all your questions and an affordable coverage quote, chances are good that you have found an auto insurance agent that is a good match to properly service your car insurance policy.

More information can be read on the website for the Iowa Insurance Division through this link. Visitors are able to learn about insurance regulations, read consumer alerts, download brochures, and read state legal mandates and laws.

Also read more on III.org’s auto insurance page and this list of insurance agents in West Des Moines, IA.