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Best Local Car Insurance Agencies in Waterloo

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Brad McCunniff logo
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License Verified:

License: 6858557

Iowa Insurance Division

Brad McCunniff

1708 State Street, Cedar Falls, IA 50613
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Business Description

Brad McCunniff is a second-generation State Farm insurance agent that serves clients in Waterloo, Cedar Valley, and nearby areas. Through State Farm, he provides general insurance products and services such as auto insurance focusing on fleet management for small businesses as well as home and life insurance products. His team also conducts annual reviews for clients' financial services and insurance needs. Brad earned his credentials as a chartered life underwriter and notary public at the University of Northern Iowa.

License Verified:

License: 6858557

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 (28)
Facebook
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
Douglas Trunnell Insurance Services logo
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License Verified:

License: 277599

Iowa Insurance Division

Douglas Trunnell Insurance Services

3826 Cedar Heights Drive, Cedar Falls, IA 50613
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  • Multiple Carriers

Business Description

Douglas Trunnell Insurance Services is an independent insurance firm in Cedar Falls that extends its services to individuals, families, and businesses in Waterloo and the surrounding areas. The company’s experienced and professional agents can help drivers of different backgrounds obtain car insurance policies from several reputable carriers for financial support in the event of an automotive emergency. In addition to standard auto, Douglas Trunnell Insurance Services also insures other vehicles, such as classic cars and motorcycles.

License Verified:

License: 277599

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.
4.0
Google
4.0 / 5 (9)

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
Elliott Hartman Insurance Services logo
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License Verified:

License: 268673

Iowa Insurance Division

Elliott Hartman Insurance Services

611 Ansborough Avenue, Waterloo, IA 50701
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  • Home & Auto Insurance

Business Description

Elliott Hartman Insurance Services is a full-service insurance firm responding to the coverage needs of individuals, families, and businesses in Waterloo. Its professional agents can help vehicle owners find car insurance policies from various reputable and financially strong carriers aimed at meeting the state’s requirements as well as the clients' personal preferences. They also assist with obtaining home, trucking, and commercial insurance. Elliott Hartman Insurance Services traces its origins to the year 1910 when it was first established as Weatherwax Agency.

License Verified:

License: 268673

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.
4.1
Google
4.0 / 5 (12)
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
Fish-Johnson Insurance logo
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License Verified:

License: 19305880

Iowa Insurance Division

Fish-Johnson Insurance

3265 West 4th Street, Waterloo, IA 50701
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  • Multiple Carriers

Business Description

Fish-Johnson Insurance is a locally owned company that serves residential and commercial clients in Waterloo. It offers a variety of insurance services, including personal and commercial auto, motorcycle support, boat, and watercraft insurance. Its agents also provide general and excess liability coverage for small and medium enterprises. The Fish-Johnson Insurance team has access to reliable insurance brands and gives policy buyers a detailed coverage recommendation that can meet their needs.

License Verified:

License: 19305880

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
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
Iowa Insurance Store logo
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License Verified:

License: 1634449

Iowa Insurance Division

Iowa Insurance Store

8450 Hickman Road, Waterloo, IA 50325
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  • Boats
  • Motorcyle & ATV

Business Description

Iowa Insurance Store is an independent family-owned agency that serves Waterloo and the rest of the city of Iowa since 2005. The company provides car insurance covering potential damages, injuries, or losses from a financial standpoint in connection with the car. Aside from the driver or owner, it also protects the passenger, other drivers, pedestrians, and property in the event of an accident. In addition, its automotive insurance supports the policyholders through various communications channels, providing them with 24/7 insurance assistance.

License Verified:

License: 1634449

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 (37)

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
Jerry Holbrook Insurance Grimes Johnston West Des Moines logo
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License Verified:

License: 263929

Iowa Insurance Division

Jerry Holbrook Insurance Grimes Johnston West Des Moines

724 E 1st Street, Waterloo, IA 50111
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Jerry Holbrook Insurance Grimes Johnston West Des Moines is an independent insurance agency servicing the Waterloo community. Since 1989, it has been providing multiple personal and commercial insurance plans to clients, including auto insurance coverage options. Insurance policies are also available for videographers, woodworkers, and churches. Claims are accommodated by Jerry Holbrook during evenings and weekends through a phone call. The agency partners with different insurance companies to serve clients with the most ideal policies that fit their unique needs.

License Verified:

License: 263929

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

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
Luke Peterson Insurance logo
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License Verified:

License: 9700911

Iowa Insurance Division

Luke Peterson Insurance

116 1st Avenue North, Waterloo, IA 50009
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Luke Peterson Insurance is an auto insurance provider that covers clients in Waterloo and nearby cities. It interviews clients to assess their driving history and risk level. Through this, the company can choose which coverages, like uninsured motorist and medical liability protection, are the best fit for each driver. The independent agency is partnered with carriers like State Auto, Progressive, and Travelers. It was founded by Luke Peterson, who has over 13 years of experience in insurance.

License Verified:

License: 9700911

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
Facebook
5.0 / 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
PDCM Insurance logo
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PDCM Insurance

3022 Airport Boulevard, Waterloo, IA 50703
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  • Home Insurance

Business Description

PDCM Insurance assists customers in Waterloo by utilizing its unique Risk Reduction Approach to customize insurance solutions. The company partners with a variety of insurance companies to offer traditional coverages covering home, automobile, and rental property. Its commercial coverages include general liability and workers' compensation. Its agents provide commercial insurance services to industries like manufacturing, technology, social services and nonprofits, healthcare, and construction. PDCM Insurance resulted from a merger of two companies, with roots dating back 100 years.

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
4.0 / 5 (38)
Facebook
4.3 / 5 (12)
Yelp
1.0 / 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
Preferrered Rate logo
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License Verified:

License: 8859106

Iowa Insurance Division

Preferrered Rate

834 West 4th Street, Waterloo, IA 50702
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  • Home & Auto Insurance

Business Description

Preferred Rate is a local personal line insurance company that serves the Waterloo community and nearby localities. The independent insurance agency assists individuals and families in protecting themselves and their loved ones on the road with an auto insurance policy. Its lead insurance agents help clients filter coverage options and choose the right policy among several carriers that best suits their needs. They also work with providers in writing personalized policies for each client. Other products they offer include home, life, and health insurance.

License Verified:

License: 8859106

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
4.0 / 5 (20)
Facebook
5.0 / 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
The Sinnott Agency, Inc. logo
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License Verified:

License: 10137431

Iowa Insurance Division

The Sinnott Agency, Inc.

622 West 4th Street, Waterloo, IA 50702
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  • Multiple Carriers

Business Description

Established in 1923, The Sinnott Agency, Inc., is a full-service, local independent insurance agency in Waterloo that offers car insurance options to its clients. Its agents help clients assess their risks, find the best-suited policy and coverages, and make a claim. Their customized risk management solutions protect the assets of around 2000 individuals and 500 businesses. The Sinnott Agency, Inc., also offers insurance products and services for home, life, health, retirement, and business needs.

License Verified:

License: 10137431

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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
––
Yarwood Insurance Agency logo
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License Verified:

License: 6899968

Iowa Insurance Division

Yarwood Insurance Agency

1010 East Mitchell Avenue, Waterloo, IA 50702
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  • Home & Auto Insurance
  • Home Insurance

Business Description

Yarwood Insurance Agency is a local car insurance company in Waterloo that offers comprehensive car insurance coverage. It provides insurance products that protect clients from financial losses brought by accidents, vandalism, theft, and fire. The company also takes care of medical payments, commonly known in other states as personal injury protection insurance plans, which cover the hospital bills needed if drivers or passengers sustain injuries. Aside from car insurance, Yarwood Insurance Agency also has insurance policies for homeowners and renters.

License Verified:

License: 6899968

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.
4.0
Google
4.0 / 5 (7)

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
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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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