Having to pay for pricey auto insurance can diminish your savings account and force you to tighten up your finances. Performing a rate comparison is a smart way to tighten up your finances.
Big-name insurance companies like Geico and Progressive continually hit you with ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.
If you have a current auto insurance policy or need a new policy, you can use these tips to shop for the lowest rates while maximizing coverage. Buying car insurance in Pella is quite easy. Iowa drivers just need to learn the proper methods to shop their coverage around online.
The majority of larger companies like Progressive, Geico, Allstate and State Farm provide coverage prices from their websites. Comparing prices online is fairly straightforward as you just type in into the form. After you complete the form, their quoting system collects credit information and your driving record and provides a quote based on many factors. This helps simplify price comparisons, but the work required to visit many different websites and type in the same data is not the best way to spend an afternoon. But it’s absolutely necessary to do this in order to get the lowest auto insurance rates.
The smarter way to locate the lowest prices makes use of a single form to return rates from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison much more efficient. As soon as the form is sent, it gets priced and you can select your choice of the returned quotes.
If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process only takes a few minutes and may result in a nice savings.
To find out what other companies charge, click here and submit the form. If you currently have coverage, we recommend you complete the form with the limits and deductibles as shown on your current policy. This makes sure you are getting an apples-to-apples comparison for exact coverage.
Do you qualify for discounts?
Auto insurance can be pricey, but there could be available discounts that may help make it more affordable. Larger premium reductions will be automatically applied at quote time, but a few need to be inquired about before you will receive the discount. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.
- Membership in Organizations – Participating in a qualifying organization is a simple method to lower premiums on your next auto insurance statement.
- Accident Waiver – Not really a discount, but companies like Geico and Liberty Mutual will forgive one accident before your rates go up if you have no claims for a specific time period.
- Student in College – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
- Homeowners Savings – Simply owning a home can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
- Active Military Service – Having a deployed family member could be rewarded with lower rates.
- Good Students Pay Less – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Drive Less and Save – Keeping the miles down may allow you to get discounted premium rates on garaged vehicles.
- ABS Braking Discount – Cars that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
- Driving Data Discount – Pella drivers who agree to allow their auto insurance company to analyze vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
As a footnote on discounts, some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, you aren’t that lucky.
To view providers that provide some of the discounts listed above in Pella, click this link.
Don’t assume everyone needs the same auto insurance coverage
When buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions might help in determining whether or not you will benefit from professional help.
- Should I buy additional glass protection?
- When should I not file a claim?
- How much underlying liability do I need for an umbrella policy?
- Should I buy more coverage than the required Iowa minimum liability coverage?
- Should I drop comprehensive coverage on older vehicles?
- How high should my medical payments coverage be?
- Can I afford to pay high deductible claims out of pocket?
- What companies insure drivers after a DUI or DWI?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Consumer auto insurance information in Iowa
More information is located on the website for the Iowa Insurance Division located here. Iowa consumers can get help finding coverage, read enforcement actions against agents and companies, and view agent and company licensing information.