Bloomfield Auto Insurance Rates, Quotes, Agents & Reviews in IA

Bloomfield, IA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bloomfield, IA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Compare Car Insurance Rates in Bloomfield, IA

According to CrimeGrade analysis on Vehicle Theft, the rate of vehicle theft is slightly higher than the average US city. Therefore, securing your investment beforehand is essential. Bloomfield, IA, residents pay an average of $1,013 on car insurance rates. Bloomfield's auto insurance rates are low compared to neighboring cities like Windsor Heights, Linn, Cumming, and Norwalk. 

Zimlon, through its research, found the applicable car insurance rates in and around Bloomfield, IA, where auto owners can also take advantage of multiple discounts by considering various factors. Some of the components are: 

a. Age of the Driver

The driver's age plays a significant role in determining the car insurance rates in Bloomfield, IA. Generally, teenagers pay a much higher insurance price when compared to the rest of the state as they lack a sense of responsibility behind the wheel. For instance, teenagers in Bloomfield pay a premium of $3,287, whereas drivers with 30 years to 40 years pay a premium of $1,003 and $965, respectively. However, once you hit your retirement age of 70 years and above, then you may witness an incline in the car insurance rates in Bloomfield. 

b. Security features 

Cars equipped with safety devices like an audible alarm, active disabling devices, or tracking devices can get you a great deal on car insurance rates in Bloomfield. Nowadays, even the base models of vehicles are equipped with enhanced safety features. Insurance providers in Bloomfield offer special discounts depending on the number and type of safety devices installed. For instance, cars provisioned with an audible alarm will have to pay a premium of $972.

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c. Multi Car Insurance

One simple way to reduce the premium on your auto insurance rates is by insuring multiple vehicles with the same insurer. Here, automobile owners can obtain discounts on their car insurance. Zimlon's analysis proves that car owners with two-vehicle and three-vehicle bundles can save $263 and $395, respectively, on auto insurance rates. In Bloomfield, bundling four vehicles can save $527 on car insurance rates. 

d. Credit score 

Credit score plays a crucial role in determining the cost of car insurance. A credit score is a numerical value based on their financial history. Car owners with exceptional scores can obtain substantial records on auto insurance rates. For instance, auto owners with a score of 800 to 850 have to pay a premium of $869. In contrast, auto owners with a poor score of 300-579 have to pay a premium of $1,652. Therefore, a decent credit score and pristine driving history can get you great quotes on car insurance rates.

Factors that can influence the cost of car insurance in Bloomfield, IA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Bloomfield, IA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bloomfield, IA with that of other cities in and around Bloomfield.

Bloomfield Windsor Heights Linn Cumming Norwalk Walnut
Average Insurance Rates $1,013 $1,060 $1,058 $1,511 $1,057 $1,075

Bloomfield, IA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Bloomfield, IA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Bloomfield $1,996 $1,686
Norwalk $2,918 $2,465
Des Moines $1,659 $1,402
Greenfield $1,506 $1,272
Windsor Heights $1,676 $1,415
Cumming $2,324 $1,963
Walnut $1,143 $966
Linn $1,453 $1,228

Bloomfield, IA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bloomfield, IA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,287
20 Years $1,302
30 Years $1,003
40 Years $965
50 Years $893
60 Years $906
70 Years $1,054

Bloomfield, IA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bloomfield, IA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,763 $263
3 Vehicles $2,644 $395
4 Vehicles $3,525 $527

Savings on 2 Vehicles bundle:$263

Savings on 3 Vehicles bundle:$395

Savings on 4 Vehicles bundle:$527


Bloomfield, IA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bloomfield, IA.

Location Average Insurance Cost Post DUI Insurance Rate
Bloomfield $1,013 $1,721
Norwalk $1,057 $1,796
Des Moines $952 $1,618
Greenfield $1,070 $1,818
Windsor Heights $1,060 $1,801
Cumming $1,511 $2,567
Walnut $1,075 $1,827
Linn $1,058 $1,798

Bloomfield, IA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $869
Excellent (740-799) $992
Good (670-739) $1,056
Average (580-669) $1,377
Poor (300-579) $1,652

Bloomfield, IA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Bearence Management Group Liberty Mutual Independent 1045 76Th St Ste 4000, WEST DES MOINES, 50266 (515) 327-8450
Bearence Management Group Liberty Mutual Independent 1045 76Th St Ste 4000, WEST DES MOINES, 50266 (515) 327-8450
Bearence Management Group Liberty Mutual Independent 1045 76Th St Ste 4000, WEST DES MOINES, 50266 (515) 327-8450
Steve Curren State Farm 5929 Ashworth Rd, Wdm, 50266-7109 515-225-2660
Goodhue Nolte Insurance Agency Inc Travelers 100 Hwy 5, Carlisle, 50047 None
Scott Longstreet Insurance Services None 9804 Brookview Drive, Urbandale, 50322 None
Scott Longstreet Insurance Services None 9804 Brookview Drive, Urbandale, 50322 None
Experian Travelers 1776 WEST LAKES PKWY, DES MOINES, 50306 866-874-2841

Bloomfield, IA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$45 $1,058
Driver's Failure In Showing Documents +$98 $1,111
Driving With An Expired Registration +$104 $1,117
Driving At A Considerably Slow Pace +$220 $1,233
Using A Cellphone While Driving +$232 $1,245
Running A Red Light +$236 $1,249
Speeding +$248 $1,261
Driving A Vehicle Without The Required Permission +$315 $1,328
Driving With An Expired/Suspended License +$683 $1,696

Bloomfield, IA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $972
Active Disabling Device $972
Tracking Device $952
Passive Disabling Device $942

Latest Auto Insurance Reviews in Bloomfield, IA | Back to Top

State Farm
Great company, they always are prompt to answering questions and finding good rates and discounts if applicable.
Westfield Insurance
The customer service has been very good with Westfield. They answered all my questions after I got in an accident and made sure I was okay. I was a little hesitant about the claim process.
Allstate
I was very satisfied to be able to obtain the services of this company because it offers the best quality and responsibility when it comes to our benefits.
Country Financial
My car insurance is combined with my home insurance. I have only made two claims on my insurance, and both of them were very satisfactory. I also didn't have to do anything but talk to my agent, he took care of the rest.
Country Financial
My car insurance is combined with my home insurance. I have only made two claims on my insurance, and both of them were very satisfactory. I also didn't have to do anything but talk to my agent, he took care of the rest.
Progressive
Overall I find that I am not satisfied with the current level of service offered by Progressive Auto, it's representatives, or it's applications.
Geico
They seem to be a pretty reputable company, and they make it easy for me to pay my premium; phone coverage is adequate for most questions.