Insurance Specialist in Des Moines, IA with Reviews -

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By: Jessica C.
Reynolds & Reynolds Inc
I have a good relationship with the people at Reynolds & Reynolds. After being with them for about ten years I can honestly say that I've never had a problem finding someone available whenever I call with a question.
By: Lauren E.
Chuck Smith - State Farm Insurance Agent
Chuck and his team has been great to work with over the past several years. He is very honest with you and has your best interest at heart. I have recommend him to many friends and they have felt the same way!
By: Regina P.
Reynolds & Reynolds Inc
I've been with Reynolds & Reynolds for about 18 years. I wouldn't have stayed with them if they hadn't been so good for me. I'm not changing me mind on them any time soon, either.
By: Ariana D.
Mark Courter Agency
Mark Courter is exactly what you want in an insurance agent. He is professional and handles claims well, and always keeps me informed on discounts that apply to my policy.
By: Karen P.
Mark Courter Agency
The quality of service at Mark Courter is excellent. All I have to do is call them and they know who I am instantly and they provide me with whatever service I need.
By: Dan B.
Mark Courter Agency
Mark Courter and his team do a great job. They are very informative with new policy's and discounts that come up which is always a plus. I would highly recommend.
By: Anne marie S.
Chuck Smith - State Farm Insurance Agent
Chuck Smith at State Farm Insurance does a great job of really getting to know you as a person. You aren't just another person walking through the door.
By: Briana W.
Mark Courter Agency
I like how personable Mark Courter is. He is very easy to talk to and work with. He has treated us well for years and definitely earned our trust as well.
By: Diana C.
Reynolds & Reynolds Inc
Reynolds & Reynolds offers quality customer service. This is a team that is always staying in touch with our staff answering any questions we may have.
By: Melissa B.
Reynolds & Reynolds Inc
Super quick to respond to any question or concern - our renewals have been extremely low in the last 2 years so no surprises. We love working with them
Tips & Advices
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.
Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.
Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

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