Have you had enough of trying to scrape together enough money to insure your vehicles every month? You are in the same boat as many other Iowa consumers.
Because you have many options, it is very difficult to locate the best car insurance company.
Locating the lowest cost coverage in Marion is simple if you know the tricks. In a nutshell, anyone who has to buy auto insurance stands a good chance to be able to find lower rates. But Iowa vehicle owners should learn how companies sell online and use this information to your advantage.
Compare the Market for Auto Insurance in Marion
Shopping for lower auto insurance rates can take time and effort if you don’t understand the best way to get rate quotes. You can spend your afternoon talking about coverages with agents in Marion, or you could use online quotes to maximize your effort.
Many insurance companies enroll in a system where insurance shoppers only type in their quote data once, and each company then returns a price quote based on that data. This system prevents you from having to do form submissions to each individual auto insurance company.
To find out how much you’re overpaying now click here to start a free quote.
The only drawback to using this type of system is you can’t choose which providers you want to price. So if you want to choose specific insurance companies to compare prices, we have a page of low cost auto insurance companies in Iowa. Click to view list.
Whichever way you use, make absolute certain that you use identical deductibles and coverage limits with each company. If you are comparing mixed coverages then you won’t be able to determine the best price in Marion. Just a small difference in coverage limits may cause a big price difference. And when comparing auto insurance rates, know that quoting more will improve the odds of getting the best rates.
Do drivers who switch really save?
Companies like State Farm, Allstate and Geico constantly bombard you with ads on TV and radio. All the ads make an identical promise that you can save if you switch your policy. How do they all claim to save you money?
Insurance companies are able to cherry pick for the driver that makes them money. An example of a desirable insured could possibly be over the age of 40, a clean driving record, and chooses high deductibles. Any new insured who fits that profile will get very good rates and therefore will save when switching.
Potential insureds who don’t qualify for this ideal profile will be charged more money and this can result in the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the savings.
That is why you should get quotes from several different companies. It is impossible to predict which company will have the lowest rates.
Discounts are basically free money
Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be requested specifically before they will apply.
- Lower Rates for Military – Being deployed with a military unit could mean lower rates.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
- Claim Free – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
- Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
It’s important to understand that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, you won’t be that lucky. Any amount of discount will bring down the amount you have to pay.
To see a list of providers offering auto insurance discounts in Iowa, click here to view.
Which insurance is the “right” coverage?
When it comes to choosing adequate coverage, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.
- What discounts do I qualify for?
- What if I total my vehicle and owe more than it’s worth?
- Who is covered by my policy?
- Are my tools covered if they get stolen from my vehicle?
- Do all my vehicles need collision coverage?
- Am I covered if I crash into my own garage door?
- Is business property covered if stolen from my car?
- When would I need additional glass coverage?
- When should I remove comp and collision on my vehicle?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Additional auto insurance information is located on the website for the Iowa Insurance Division through this link. Iowa consumers can report car insurance fraud, read state legal mandates and laws, learn about insurance regulations, and find disaster information.
The following information may also be useful.
More quotes mean more savings
Low-cost auto insurance can be purchased on the web in addition to many Marion insurance agents, and you should be comparing both to have the best selection. A few companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
We just showed you many ideas to save on auto insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even find the lowest priced auto insurance comes from a lesser-known regional company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.
When shopping online for auto insurance, it’s a bad idea to buy poor coverage just to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford.