Discover How to Find the Cheapest Price on Bettendorf Auto Insurance

Tired of scraping the payment together to buy car insurance? You are no different than the majority of other car owners in Iowa.

Drivers have multiple insurers to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost auto insurance.

Pricing the cheapest protection in Bettendorf is easy if you know what you’re doing. Just about every driver who has to buy auto insurance will be able to lower their premiums. But Iowa drivers must understand how insurance companies sell online because it can help you find the best coverage.

Don’t miss these discounts

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

  • Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • No Accidents – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
  • Memberships – Belonging to a qualifying organization is a good way to get lower rates when buying auto insurance.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.

To choose insurers who offer auto insurance discounts in Iowa, click this link.

Finding Auto Insurance Deals in Bettendorf

Most companies such as State Farm, Allstate and GEICO quote prices on their websites. This process is quite easy as you just type in as detailed in the form. After you submit the form the company’s rating system orders your credit score and driving record and generates pricing information determined by many factors. Quoting online helps simplify price comparisons, but the process of having to visit each company’s website and repetitively enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to get the best price possible.

Compare rates the easy way

The smarter way to lower your rates requires only one form to get prices from many companies. It saves time, requires much less work on your part, and makes online price comparison much more efficient. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To find out how much you can save on auto insurance, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate the coverages identical to your current policy. This helps ensure you will have an apples-to-apples comparison for the exact same coverage.Iowa car insurance prices

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that come into play when calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • More miles equals more premium – Driving more miles every year the higher your rate. Most companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance coverage is rated on the proper vehicle usage.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Careers like real estate brokers, architects and accountants tend to pay higher rates than average because of high stress and long work days. On the flip side, professions such as actors, athletes and performers have the lowest average rates.
  • Discounts for multiple policies – Most insurers give discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Where you live – Being located in a rural area is a positive aspect when insuring your vehicles. Urban drivers have to deal with more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Is my situation unique?

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions may help you determine if you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Should I buy additional glass protection?
  • Should I put collision coverage on all my vehicles?
  • Who is covered by my policy?
  • Do I need to file an SR-22 for a DUI in Iowa?
  • Is Iowa a no-fault state?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Your local neighborhood insurance agent

Some consumers just want to talk to a local agent and there is nothing wrong with that. The best thing about comparing rates online is you may find the lowest rates but also keep your business local. And providing support for local businesses is definitely important in Bettendorf.

By using this quick form, your information is emailed to participating agents in Bettendorf who will return price quotes for your coverage. You won’t need to even leave your home because quoted prices will be sent straight to your inbox. Now that’s easy! You can find better rates and a licensed agent to work with.

Pick the best insurance agency in Bettendorf for you

When finding a reputable insurance agent or broker, you must know there are a couple types of agencies from which to choose. Bettendorf agents can either be independent or captive.

Independent Agencies or Brokers

Independent agencies do not work for one specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When comparison shopping, we recommend you include at least one independent agent for the best price selection.

Shown below are Bettendorf independent insurance agents that may be able to provide rate quotes.

Insurance and Retirement Plng – 4345 Amesbury Dr – Bettendorf, IA 52722 – (563) 355-5940
A J Assurance Agency – 2395 Tech Dr # 10 – Bettendorf, IA 52722 – (563) 332-7978
United Insurance Counselors – 1985 Spruce Hills Dr – Bettendorf, IA 52722 – (563) 386-3290
Seth Rowland Agency – 3456 Holiday Ct # B – Bettendorf, IA 52722 – (563) 332-3209
Fred Belk Agency – 2395 Tech Dr # 9 – Bettendorf, IA 52722 – (563) 332-8953

Captive Insurance Agents

Captive agents can only place business with one company like Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. They are usually quite knowledgeable on their company’s products which can be an advantage.

Below are Bettendorf captive agents that can give you price quote information.

Iowa car insurance prices

Allstate Insurance – 2705 Kimberly Rd # 1 – Bettendorf, IA 52722 – (563) 359-4644
Farmers Insurance Group – 2435 Kimberly Rd # 105n – Bettendorf, IA 52722 – (563) 355-5525
State Farm Insurance – 1810 State St # 1 – Bettendorf, IA 52722 – (563) 355-4705
American Family Insurance – 2500 18th St – Bettendorf, IA 52722 – (563) 355-4550

To view a full list of captive agencies in Bettendorf, please go to this site.

Choosing an insurance agency requires more thought than just the price. Any agent should be forthright in answering these questions:

  • Is the agent and/or agency licensed to do business in Iowa?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do the companies they represent have a solid financial rating?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Is the agency involved in supporting local community causes?
  • What insurance company do they write the most business with?
  • Can glass repairs be made at your home?
  • Are they full-time agents?

After getting satisfactory answers to any questions you have and a good coverage price, chances are good that you have found a car insurance agent that is a good match to properly insure your vehicles.

Do the work, save more money

We just showed you quite a bit of information on how to reduce auto insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.

Cheaper auto insurance is available both online in addition to many Bettendorf insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these smaller companies work with independent agents.

Additional Iowa car insurance resources

Additional auto insurance information is available on the website for the Iowa Insurance Division located here. Visitors are able to learn about specific coverages, download brochures, file complaints about a company, and find out industry alerts.