Discover the Secrets to Saving Money on Council Bluffs Iowa Car Insurance

Overwhelmed by the number of car insurance options in Council Bluffs? Many other drivers are as well. There are so many options available that it can be a lot of work to locate the lowest price.

How to Get Cheap Car Insurance in Council Bluffs, IA

To find the best car insurance prices, there are several ways to compare rate quotes from local in Council Bluffs, IAcar insurance companies. The easiest way by far to find the cheapest insurance rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

  • The recommended way to find low rates is an all-inclusive rate comparison click here to open form in new window. This easy form saves time by eliminating a different quote for each company you want a rate for. In just a few minutes this one form will return price quotes from multiple companies. It’s definitely the quickest method.
  • A less efficient way to shop for car insurance online requires visiting each company website and complete a new quote form. For example, let’s assume you want comparison quotes from Liberty Mutual, Progressive and GEICO. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Council Bluffs, click here.

  • The hardest method of comparing rate quotes is to waste gas driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed Council Bluffs agents. Drivers can get prices online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you which method you use, but be sure to compare apples-to-apples quote information with every price quote. If you are comparing different limits and deductibles on each one you can’t possibly determine the lowest rate in Council Bluffs. Slightly different insurance coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing more company’s prices will enable you to find the best rates.

What about using a local agent?

Certain consumers prefer to buy from a local agent and that is just fine! One of the great benefits of price shopping on the web is the fact that you can find the lowest rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, your insurance data is transmitted to agents in your area who will battle to get your business. You never need to leave your computer due to the fact that quote results will go straight to your inbox. How’s that for easy! It’s the lowest rates and work with a local agent.

Deciding on an provider requires more thought than just a low price. These questions are important to ask:

  • If your car is totalled, how to they determine the replacement cost?
  • Are there any discounts that you might be missing?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are claims handled at the agent’s location?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How are claims handled?
  • Is assistance available after office hours?

Types of insurance agents

When finding a good insurance agency, you must know there are a couple different agency structures that you can select. Agencies in Council Bluffs are classified as either captive or independent (non-captive).

Captive Agents

Captive agencies have only one company to place business with and some examples include American Family, State Farm and Allstate. They are unable to give you multiple price quotes so always compare other rates. These agents receive extensive training in insurance sales which helps them compete with independent agents. Some consumers prefer to buy insurance from these agents partially due to the prominence of the brand and solid financial strength.

Shown below are Council Bluffs captive insurance agents who may provide you with price quotes.

  • Allstate Insurance – 421 E Broadway # A – Council Bluffs, IA 51503 – (712) 322-9066
  • American Family Insurance – 1751 Madison Ave # 8 – Council Bluffs, IA 51503 – (712) 322-2510
  • State Farm Insurance – 116 W Broadway – Council Bluffs, IA 51503 – (712) 323-1950
  • Farm Bureau Insurance – 126 E Broadway # 1 – Council Bluffs, IA 51503 – (712) 322-0251
Independent Insurance Agents

These agents are not locked into one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, we recommend you get quotes from at least one independent agent for the best price selection. Most have the option of insuring with smaller regional carriers who may have lower rates.

Shown below are independent agencies in Council Bluffs that can give you price quotes.

  • Home Agency Iowa – 100 E Broadway – Council Bluffs, IA 51503 – (712) 325-0631
  • American National Insurance Co – 285 W Broadway – Council Bluffs, IA 51503 – (712) 256-0246
  • Oswald Agency Amer Family Ins – 2715 E Kanesville Blvd – Council Bluffs, IA 51503 – (712) 329-3350
  • Brooke Insurance and Financial – 1851 Madison Ave # 490 – Council Bluffs, IA 51503 – (712) 328-0305

To view a full list of insurance agents in Council Bluffs, visit this site.

Once you have received satisfactory answers and a good coverage price, chances are good that you have found an insurance agent that is a good match to provide car insurance coverage.

For more Iowa car insurance information

Additional detailed information can be read at the Iowa Insurance Division website. Visitors are able to discover disciplinary actions, file complaints about a company, download brochures, and find disaster information.