Comparing auto insurance companies in Muscatine, IA can be challenging because selecting the best Muscatine auto insurance agent for your needs takes more work than just picking up the phone. You require a professional agent, and also the cheapest rates you can possibly find.
Drivers have so many car insurance agents to pick from, and even though it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.
Muscatine agents and online quotes
Professional agents can answer important questions and help file insurance claims. One of the great benefits of price shopping on the web is the fact that you can find better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your coverage information gets sent to companies in Muscatine who will return price quotes for your business. There is no need to leave your computer since price quotes are sent to your email. How cool is that?!
Selecting an auto insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- What insurance company do they write the most business with?
- Do they feel the quoted coverages are adequate?
- If they are an independent agency, which companies do they recommend?
- How long has their agency been open in Muscatine?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- How many years of experience in personal lines insurance coverages do they have?
Choose an insurance agent wisely
When searching for a reliable agent, there are two types of insurance agents from which to choose. Agencies in Muscatine can either be captive or independent (non-captive). Both types can do a good job, but it’s important to know the difference between them because it can influence the selection process.
Agency Captives
Captive insurance agents have only one company to place business with like Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to give you multiple price quotes so always compare other rates. These agents are well schooled on their company’s products which can be an advantage.
The following is a short list of captive agents in Muscatine willing to provide price quote information.
State Farm Insurance – 415 Iowa Ave – Muscatine, IA 52761 – (563) 263-7355
Farmers Insurance Group – – Muscatine, IA 52761 – (563) 263-2337
Independent Agents
These agents are not employed by any specific company but rather can write business with lots of companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency.
When comparing rates, we recommend you include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
Listed below is a list of independent insurance agencies in Muscatine that are able to give rate quotes.
Thomas Insurance LTD – 1484 Isett Ave – Muscatine, IA 52761 – (563) 263-7841
Prudential Insurance Co – 101 W Mississippi Dr # 508 – Muscatine, IA 52761 – (563) 263-1220
Mc Cleary Agency – 2201 Houser St # 2 – Muscatine, IA 52761 – (563) 263-3620
To view a complete directory of auto insurance agents in Muscatine, view this link.
After receiving answers to your satisfaction to any questions you have and an affordable coverage quote, you’ve probably found a car insurance agent that will properly insure your vehicles.
Isn’t it cheaper to buy direct from companies like Geico and Progressive?
Local insurance agents are indespensible for some people, but Iowa drivers can also buy from companies direct over the internet. Certain companies, such as Farmers Insurance and State Farm, who sell through agents in Muscatine also allow you to buy direct online, so keep that in mind if you don’t want to take the time to contact agents.
If you’re worried about not receiving proper advice when buying online, that is normal but is not a big issue. All companies all have client service departments for answering any questions you have. Many online companies also provide the ability to chat online live with a sales rep and online research you can access prior to buying.
Can online rates save money? The answer to that question is complicated because there are many components that are calculated into your premium. It’s logical to say that buying online saves money because there is no commission. In many cases, marketing their products costs a lot of money so this can offset any savings.
Affordable insurance is out there
People who switch companies do it for a variety of reasons including not issuing a premium refund, policy non-renewal, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.
Lower-priced auto insurance is possible online and also from your neighborhood Muscatine agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Additional auto insurance links
Additional detailed information is available at the Iowa Insurance Division website. Iowa consumers can download brochures, report car insurance fraud, and learn about insurance regulations.
Other informative sites include NAIC.org’s Understanding your Policy and this list of agents in Muscatine, IA.
