Drivers searching for the best deals on auto insurance in Des Moines need look no further than our instant car insurance free quotes. Finding values for Des Moines car insurance is easy using Internet resources such as ours because this valuable tool gives shoppers the opportunity to shop and compare coverage and rates from a variety of different insurers.
Investigating new insurance options allows you to become better informed about the types of car insurance coverage available in Des Moines while also comparing rates on the different policies. Because each company’s program is unique, that means that you can find some really good deals just by taking a look. Save time and find values right now simply by entering your zip code above.
Car Insurance Agents in Des Moines
Once you’ve received your online insurance proposals you are in a better position to also speak with Des Moines auto insurance agents. You can compare the quotes that they offer, and they are uniquely qualified to explain the specific insurance Des Moines drivers need. Below you’ll find information about local area agents offering car insurance in Des Moines as well as driving conditions and other important insurance information for the city.
Eight Allstate agents offer auto insurance in Des Moines and Urbandale.
Farmers insurance has 17 agents in Des Moines to provide their unique car insurance solutions for area residents. Spanish and Bosnian speaking agents are also located in the area to assist clients needing support in these languages.
A total of 50 insurance agents represent State Farm Insurance in Des Moines, Windsor Heights, Urbandale, Clive, Johnston, Ankeny, Altoona, Waukee, Indianola, Adel, Winterset, Newton, Ames, Perry, Knoxville, Boone, Pella, Osceola, Story City and Guthrie Center.
Iowa Insurance Division Licensed Agent Lookup
The Iowa Insurance Division maintains a licensed agent lookup website that allows consumers to learn more about the licensing status of prospective agents. The site provides updates on license status, types of insurance agent is licensed to represent, company appointments and whether agent has any complaints on file.
Please notify us with our contact form if your agency is not showing our resource listing. Presently, we only offer individual agent listings in our paid feature section.
Des Moines Car Insurance Rates
According to research by CarInsurance.com, Iowa has some of the lowest auto insurance rates in the nation with average yearly premiums of $829. The premiums for the city of Des Moines are 30 percent higher than the state average; however, the average premiums are still substantially lower at 41 percent of the national average of $1,998.
Driving in Des Moines
As the capital of Iowa, Des Moines is also the state’s largest city in population size. According to the 2010 US Census, the city population is 203,000. The entire metro area of Des Moines encompasses five counties and has an even larger resident population of almost 570,000 people.
Des Moines is home to a large number of insurance and financial service companies and is regularly ranked highly by national surveys and magazines as one of the best places for businesses. Traffic congestion is a major problem in Des Moines with Interstate 235 bearing a large portion of the traffic.
Major interstates and highways run through the city, and city planners have worked on widening and redesigning large portions of Interstate 35, 80 and 235 in order to ease traffic flow in every direction. In fact, according to the Inrix.com National Traffic Scorecard for 2011, the Des Moines metro area is positioned at 92 out of 100 cities for traffic congestion.
The Allstate 2011 Best Drivers Report placed Des Moines 29th when evaluating 200 US cities for safe drivers.
Overall, getting caught in traffic may cause significant delays but drivers in the city are relatively safe to travel the roads with. Statistics from the Traffic Safety Report for 2006-2010 published by the National Highway Traffic Safety Administration ranked Polk County, where Des Moines is the county seat, as number one out of all Iowan counties for traffic fatalities.
The total number of car related deaths in Polk County in 2010 was 39 representing a 70 percent increase from the 2009 stats. The majority of the fatalities involved single car crashes with departure from the roadway, and 11 of the 39 were motorcyclist deaths.
The Iowa Department of Transportation offers Des Moines traffic reports on their traveler information website. Area drivers can plan their commutes more effectively by staying up to date on current road closures, construction zones and traffic accidents.
Iowa Auto Insurance Laws
All motorists in Iowa must have minimum auto insurance of bodily injury and property damage. The state requires $20,000 per person, $40,000 per accident and $15,000 for property damage. Iowa auto insurance laws do require that a driver be found at fault for an accident, and the person who causes it must accept financial responsibility for paying damages.
Reckless drivers can have registration suspended, and anyone who is stopped must be able to show proof of carrying at least the minimum amounts of insurance required by Iowa law. Because the state subscribes to a tort system, there is no limit to award amounts that a plaintiff may receive in a lawsuit. For this reason, it is recommended that drivers carry higher policy limits than the state minimum amounts in order to fully protect themselves.
Des Moines Car Insurance Quotes
When reviewing Des Moines car insurance quotes, it is best to evaluate at least three policies and rates to have a better understanding of available options. Review liability limits and coverage since these are required by law, and then determine whether comprehensive or collision auto insurance should be added to your protection package. Be sure to balance the coverage with the rate so that you can best decide whether the options you choose will meet your budget.
While price is always an important point to consider, it should not be the only measure you use to select a policy. Take a look at our instant Des Moines auto insurance right online from your computer desktop or laptop. You’ll receive multiple quotes to help you in your quest for finding the best policy for your situation.