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Best Local Car Insurance Agencies in Des Moines

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Absolute Insurance Agency logo
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License Verified:

License: 264422

Iowa Insurance Division

Absolute Insurance Agency

7400 University Avenue, Clive, IA 50325
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  • Bundling Option

Business Description

Absolute Insurance Agency, LLC is a full-service independent insurance firm licensed in 18 states that serves the people of Des Moines and the rest of Iowa. Its professional agents can connect vehicle owners with numerous carriers to help them find a suitable car insurance plan that will match their personal requirements and expectations. Available policies essentially have liability, bodily injury, collision, medical payments, and comprehensive coverage. Absolute Insurance Agency, LLC also helps insure classic cars, motorcycles, RVs, ATVs, and boats.

License Verified:

License: 264422

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (167)
Facebook
5.0 / 5 (39)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Budget Insurance logo
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License Verified:

License: 8594577

Iowa Insurance Division

Budget Insurance

3111 Douglas Avenue, Des Moines, IA 50310
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  • Multiple Carriers
  • Bundling Option

Business Description

Budget Insurance is a professional insurance agency that serves clients in Des Moines and nearby areas. The company specializes in providing difficult-to-insure auto insurance solutions involving drivers who have multiple accidents or tickets, and professional and student drivers with invalid, barred, suspended licenses and learner permits. It helps clients in fulfilling insurance requirements for license reinstatement programs, and also manages the requirements needed to meet the conditions of acquiring SR-22 certifications. The company has access to five different insurance providers, providing flexible options to each client.

License Verified:

License: 8594577

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (79)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Davis Insurance Agency logo
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License Verified:

License: 8594577

Iowa Insurance Division

Davis Insurance Agency

2815 Beaver Avenue, # 200, Des Moines, IA 50310
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  • Multiple Carriers

Business Description

Davis Insurance is a full-service insurance management company that serves Des Moines and nearby communities. The firm provides customized auto insurance policies to protect individuals, families, and businesses from unwanted losses. Its independent insurance agents shop for a variety of coverage options among multiple providers. These include liability, comprehensive, collision, medical payments, and personal injury protection. They also provide additional coverage for uninsured motorist damages, roadside assistance, towing services, and rental reimbursements. The company values trust, competence, and integrity in all its services.

License Verified:

License: 8594577

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (11)
Yelp
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Downtown Insurance logo
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License Verified:

License: 10378627

Iowa Insurance Division

Downtown Insurance

655 Walnut Street, Des Moines, IA 50309
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  • Multiple Carriers

Business Description

Downtown Insurance is a full-service insurance agency that serves the people of Des Moines. It offers a wide range of insurance products, including standard auto insurance. Drivers looking to insure their vehicles may contract the services of the company’s professional and experienced agents, who can shop for insurance policies from multiple carriers to meet the clients’ needs and requirements. In addition to automobiles, Downtown Insurance also insures commercial auto, recreational vehicles, and classic cars.

License Verified:

License: 10378627

Iowa Insurance Division

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Iowa Insurance Agency logo
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License Verified:

License: 225622

Iowa Insurance Division

Iowa Insurance Agency

7400 University Avenue, Des Moines, IA 50325
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  • RV & Motorhome
  • Boats

Business Description

Iowa Insurance Agency provides automobile insurance solutions in Des Moines. For more than 50 years, it has been tailoring full car insurance packages based on clients' needs. The company's agents gather quotes from trusted insurance companies, such as Nationwide, Progressive Insurance Company, and Auto Owners Insurance Group. They also help clients in understanding their auto insurance policies and when turning in a claim after a car accident. The agency's president, Duane Miller, began his career in the insurance business in 1970.

License Verified:

License: 225622

Iowa Insurance Division

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
James Walford logo
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License Verified:

License: 16809347

Iowa Insurance Division

James Walford

3022 Southeast 14th Street, Des Moines, IA 50320
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  • Multiple Carriers
  • Bundling Option

Business Description

James Walford is a State Farm insurance agent servicing the Des Moines community. Walford aims to build strong relationships with clients to produce ideal customized insurance solutions depending on their needs. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages that can protect clients from significant financial losses. The agency also offers banking and investment services for clients.

License Verified:

License: 16809347

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (169)
Yelp
2.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ligouri Insurance logo
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License Verified:

License: 6866017

Iowa Insurance Division

Ligouri Insurance

4320 1/2 Southwest 9th Street, Des Moines, IA 50315
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  • Multiple Carriers
  • Motorcyle & ATV

Business Description

Ligouri Insurance is an auto insurance agency that provides services to the Des Moines area. With a combined experience in the insurance business of over 70 years, the agency's small team can provide the best insurance coverage deal for their clients with just one phone call. The agency offers auto insurance for both new cars, old cars, and motorcycles, as well as other insurance products like homeowners, renters, business owners, and commercial insurance coverage.

License Verified:

License: 6866017

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (92)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mauro Insurance logo
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License Verified:

License: 6859088

Iowa Insurance Division

Mauro Insurance

4314 Southwest 9th Street, Des Moines, IA 50315
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  • Multiple Carriers

Business Description

For the past five decades, Mauro Insurance has been catering to the insurance needs of individuals, families, and businesses in Des Moines and surrounding communities. Founded in 1964, the family-owned business assists car owners, motorists, and business operators in insuring their vehicle assets with an auto insurance policy. Taking time to listen to client priorities, its independent insurance agents represent a variety of insurance providers and create a customized auto coverage matching the client's needs. They also offer policies for motorcycles, boats, and recreational vehicles.

License Verified:

License: 6859088

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Montgomery-St John Insurance Agency logo
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License Verified:

License: 273159

Iowa Insurance Division

Montgomery-St John Insurance Agency

4214 Fleur Drive, Des Moines, IA 50321
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Montgomery-St John Insurance Agency offers risk management solutions from its Des Moines location. Included in its wide product range is car insurance. Whether the clients own a luxury vehicle or a single economy car, the agents can furnish protection plans that may include liability, collision, and comprehensive coverage. They offer insurance options from different carriers, including Progressive, Hagerty, and Nationwide. Montgomery-St John Insurance Agency has been in service for over two decades. Compassion, reliability, and competency are the company's values.

License Verified:

License: 273159

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Scott Insurance Services logo
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Scott Insurance Services

1100 Grand Avenue, West Des Moines, IA 50265
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  • Multiple Carriers

Business Description

Scott Insurance Services is an auto insurance company that operates in Des Moines. It covers general automotive risks such as roadside accidents, collisions with other vehicles, and damage from weather phenomena or animals. The company's agents have over a century of collective experience and can thus ably advise clients on choosing protective plans for medical liabilities and theft. Scott Insurance Services works with multiple insurance carriers like The Hardford, Metlife, and Auto-Owners Insurance. Founded in 1996, it covers other vehicles like watercraft and RVs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (9)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Insurance Specialists Inc logo
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License Verified:

License: 6842757

The Insurance Specialists Inc

514 E Euclid Ave, Des Moines, IA 50313
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  • Multiple Carriers
  • Motorcyle & ATV
  • Home & Auto Insurance
  • Business Insurance

Business Description

The Insurance Specialists Inc. is a team of agents that serves individuals and businesses in Des Moines. They assist clients in several areas, including car insurance. The professionals furnish auto insurance plans that provide financial assistance during accidents. They have established partnerships with insurance providers such as Dairyland in order to provide car owners with policies tailored to their needs. The Insurance Specialists also specializes in SR-22 insurance and renters The business has been in operation since 1991.

License Verified:

License: 6842757

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (103)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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