How to Get a Good Auto Insurance Provider in Davenport Iowa

If you’re looking to buy auto insurance, you have many choices and selecting the best Davenport insurance agent for your needs takes more work than just using the same insurance agency as your neighbor. It’s assumed you want a decent agent, but you also need affordable coverage.

With American Family, Allstate, State Farm and Farmers having offices in Davenport, consumers have a hard time knowing which provider will have the best rates, service and coverage. Thankfully, you can use online quoting to assemble a group of agencies and thier coverage prices.

Best way to find Davenport agents

Insurance agents can point out coverage gaps and help in the event of a claim. One of the great benefits of getting online price quotes is you may find lower rates but also keep your business local. And supporting local businesses is definitely important in Davenport.

Once you complete this short form, the coverage information is emailed to companies in Davenport who will battle to get your business. You never need to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates AND an agent nearby.

Is a captive or independent auto insurance agent right for you?

When searching for a good insurance agency, you need to know there are two types of agencies from which to choose. Agents are classified as either independent (non-captive) or captive.

Independent Insurance Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.

When shopping rates, you should always contact multiple independent agents for the best price selection.

Listed below is a list of independent insurance agencies in Davenport who can help you get pricing information.

Humana Agency – 516 W 35th St – Davenport, IA 52806 – (563) 386-7170
Farm Bureau Insurance – 1850 E 53rd St # 1 – Davenport, IA 52807 – (563) 344-0899
Independent Insurance Svc Inc – 1736 W Locust St – Davenport, IA 52804 – (563) 383-5555

Captive Insurance Agents

Captive agents write business for a single company and examples are AAA, State Farm, Farmers Insurance and Allstate. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. They receive extensive training in insurance sales which helps them compete with independent agents.

Listed below are Davenport captive agencies willing to provide price quotes.

Farm Bureau Insurance – 1850 E 53rd St # 1 – Davenport, IA 52807 – (563) 344-0899
Allstate Insurance – 1140 E Kimberly Rd # 200 – Davenport, IA 52807 – (563) 391-1226
American Family Insurance – 2005 Hickory Grove Rd – Davenport, IA 52804 – (563) 322-7178
State Farm Insurance – 4546 N Brady St – Davenport, IA 52806 – (563) 386-7740

To view a complete directory of captive agents in Davenport, view this link.

Picking an auto insurance agent requires more thought than just the price. These questions are important to ask:

  • Do they assist clients in filing claims?
  • Are they able to influence company decisions when a claim is filed?
  • If your car is totalled, how to they determine the replacement cost?
  • How are they compensated?
  • Do they specialize in personal lines coverage?

After receiving positive feedback to any questions you have and locked in a price quote, you’ve probably found an auto insurance agent that can insure your vehicles.

But what about Progressive, GEICO and other online companies?

Professional insurance agents are indespensible for some people, but you also have the option of buying direct from companies online. Some companies, such as State Farm, Allstate and Farmers, who employ agents also give you the ability to quote and buy online. This is something to consider as an alternative to contacting agents.

If you’re apprehensive about not getting advice from an agent when buying direct, this really isn’t an issue. Car insurance companies all have toll-free customer service to help you decide which coverages are appropriate. Most companies also provide live help and an extensive research center that you can use if you have questions.

Do online companies have better rates? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the fact that there are multiple individual factors that can increase policy rates. Some people think that purchasing direct online lowers rates due to not having any agent compensation. In many cases, online and traditional media advertising are expensive so the rates may be similar to buying from an agent.

Shop smart and save

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

The cheapest auto insurance can be sourced both online in addition to many Davenport insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More information about auto insurance

Additional auto insurance information is available on the website for the Iowa Insurance Division found here. Consumers can get help finding coverage, read state legal mandates and laws, and find out industry alerts.

The articles below may also help you learn more about auto insurance in Davenport