Finding the Best Car Insurance Agents in Des Moines, Iowa

Looking for car insurance in Des Moines, Iowa can feel overwhelming with so many options to choose from With dozens of car insurance agents in the area, how do you know which one is right for your needs?

I’ve lived in Des Moines for over 10 years now. During that time I’ve learned that finding the perfect car insurance agent requires doing your research. You need someone you can trust to provide you with the coverage you need at a price you can afford.

To help you on your search, I’ve put together this guide on how to find the best car insurance agents in Des Moines. I’ll go over what coverage limits are required in Iowa, what factors affect your rates, and most importantly – my top picks for local agents in the area.

Overview of Iowa’s Minimum Car Insurance Requirements

In Iowa, you are only required to carry liability insurance on your vehicle. This includes:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident
• $15,000 property damage liability

While this coverage provides basic protection, experts often recommend carrying more. Additional recommended coverage includes:

• Uninsured/Underinsured Motorist (protects you if the other driver has no insurance or not enough)
• Comprehensive (covers damage to your car from non-collision events like theft, vandalism, weather, etc.)
• Collision (covers your vehicle if you cause an accident)

Carrying more than the state minimums can spare you from massive out-of-pocket expenses if an accident occurs. When speaking with agents, be sure to discuss your options to find the right balance of coverage and cost.

What Factors Impact Car Insurance Rates in Des Moines?

Car insurance rates are based on a number of factors, including:

• Your driving record – tickets, accidents, and DUIs will increase your rates
• Your location – your neighborhood and commute to work
• Your vehicle – make, model, year, safety features
• Your age and gender – young drivers and males often pay more
• Your credit score – those with poor credit pay higher premiums
• Coverage limits – higher limits mean higher rates

When getting quotes, it’s important agents take all these criteria into account to find you the best value. Rates can vary dramatically between insurance companies.

My Top Picks for Car Insurance Agents in Des Moines

I’ve compiled my top recommendations for local car insurance agents below based on customer service, range of insurance options, and affordability.

Absolute Insurance Agency

• Located in Clive, IA
• Independent agency with access to multiple insurance carriers
• Specialize in custom tailored plans, including classic cars
• Rave reviews for outstanding customer service

Ligouri Insurance

• Located in Des Moines
• 70+ years combined insurance experience
• Offer quotes from multiple companies with one call
• Access to policies for cars, motorcycles, homeowners, renters, and more

The Insurance Specialists Inc.

• Local agency based in Des Moines since 1991
• Specialize in non-standard policies like SR-22
• Rated 4.6 on Google based on 143+ reviews
• Offer renters insurance and home policies as well

Iowa Insurance Agency

• 50+ years serving Des Moines
• Customized auto insurance packages
• Represent top carriers like Nationwide and Progressive
• Experienced agents to explain policies

Davis Insurance Agency

• Based in Des Moines
• Independent agents compare rates from multiple carriers
• Tailor plans based on your needs and budget
• Available for in-person meetings

Budget Insurance

• Help high-risk drivers obtain coverage
• Work with drivers with DUIs, multiple accidents/tickets
• Aid in SR-22 certification requirements
• Provide options for drivers with suspended licenses

How to Choose the Best Car Insurance Agent for You

When selecting an insurance agent, there are a few key steps I recommend:

Compare rates from multiple agents. Premiums can vary a lot between companies, so shop around. Many agents offer free rate quotes.

Ask about discounts. See if they can score you any discounts to lower your bill – multi-policy, safe driver, good student, etc.

Discuss coverage options. Make sure you understand each type of coverage and exclusions. Decide what’s right for your situation.

Check reviews and complaints. Look for agents rated highly for customer service and claims handling. Avoid ones with frequent complaints.

Go with who you trust. Your agent should make you feel comfortable and explain things clearly. Make sure they have your best interest in mind.

Consider bundling. You can often save up to 15% when you bundle auto with home or renters insurance. Ask if discounts are available.

Finding the right car insurance agent takes a bit of work. By following these tips and considering my top picks, you’re sure to find coverage that provides peace of mind at a reasonable rate. Drivers in Des Moines are lucky to have so many great local insurance agencies ready to help.