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.
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.
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 Rates
- Bloomfield, IA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bloomfield, IA
- Multi Vehicle Insurance Savings in Bloomfield, IA
- How Credit Score Affects Car Insurance Rates in Bloomfield, IA
- How DUI Affects Auto Insurance Premiums in Bloomfield, IA
- Top Auto Insurance Agents Near Bloomfield, IA
- How Driving Violations Affect Auto Insurance Rates in Bloomfield, IA
- Bloomfield, IA Auto Insurance Discounts on Anti Theft Feature
- Bloomfield, IA Auto Insurance Company Reviews
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 FarmGreat company, they always are prompt to answering questions and finding good rates and discounts if applicable.
Westfield InsuranceThe 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.
AllstateI 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 FinancialMy 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 FinancialMy 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.
ProgressiveOverall I find that I am not satisfied with the current level of service offered by Progressive Auto, it's representatives, or it's applications.
GeicoThey 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.