Shopping for lower priced Creston car insurance can appear to be difficult for beginners to online price comparisons. With such a large choice of insurers available, how are we expected to have the ability to compare all the different companies and get the cheapest rates?
It’s a good idea to quote other rates on a regular basis because insurance prices trend upward over time. Just because you had the best quotes at your last renewal you may be paying too much now. Block out anything you think you know about car insurance because I’m going to teach you the quickest way to save money, get proper coverage and the best rates.
Lower rates by qualifying for discounts
Some companies do not advertise all disounts in a way that’s easy to find, so we break down both the well known and also the lesser-known car insurance savings.
- Defensive Driving Course – Participating in a safe driver class could earn you a small percentage discount and easily pay for the cost of the class.
- Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
- Organization Discounts – Having an affiliation with certain professional organizations could qualify you for a break on your next car insurance statement.
- Discounts for Federal Employees – Active or former government employment could provide a small rate reduction with certain companies.
- Save with a New Car – Buying insurance on a new vehicle can be considerably cheaper due to better safety requirements for new model year vehicles.
Remember that most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount should definitely cut the cost of coverage.
Some of the insurance companies that may have many of the previously listed discounts include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Some credits might not apply everywhere.
Car insurance in the media
State Farm and Allstate regularly use ads in print and on television. They all tend to make the same promise about how much you will save if you get a free and switch your car insurance policy to them. How do they all save you money? It’s all in the numbers.
Companies give the best rates for a prospective insured they prefer to insure. For example, a driver they prefer may be between the ages of 30 and 45, has a clean driving record, and chooses high deductibles. A customer who fits those characteristics will get a cheap rate quote and will also save money with a new company.
People who do not fit the ideal profile may be forced to pay a higher premium which leads to the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save that much when switching. This is how insurance companies can state the savings. That is why it is so important to compare often. It’s not possible to predict which car insurance company will give you the biggest savings.
More tips and info about car insurance can be read at the Iowa Insurance Division website. Visitors are able to learn about insurance regulations, get help finding coverage, download brochures, and view a list of available companies.
Insureds leave their current company for a number of reasons such as high prices, delays in paying claims, questionable increases in premium or even high rates after DUI convictions. Regardless of your reason, choosing a new company is less work than it seems.
Discount car insurance is attainable both online and from local agencies, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and these small, regional companies prefer to sell through independent insurance agents.
As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage and learned later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.