Finding low-cost Des Moines car insurance online may be difficult for consumers not familiar with comparing rates online. With so many insurers to choose from, how can you have a chance to compare every one to find the best available rates?
It’s smart to compare prices before your policy renews because insurance rates change regularly. Even if you got the best deal a few years ago you can probably find a lower rate today. Starting now, ignore everything you know about car insurance because we’re going to show you the things you must know in order to properly buy coverages and cut your premium.
If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. The purpose of this post is to familiarize you with how to effectively get price quotes and some tips to save money. Iowa vehicle owners just need to know the best way to find the lowest price over the internet.
Take advantage of discounts
Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Most are applied when you quote, but less common discounts must be specifically requested before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Multi-policy Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
- Lower Rates for Military – Having a family member in the military can result in better rates.
- Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
- Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
- New Car Discount – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
It’s important to note that some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck. Any amount of discount will cut your premiums.
How to know if you need help
When buying the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.
For example, these questions might help in determining whether or not you would benefit from professional advice.
- Do I need roadside assistance coverage?
- Who is covered when they drive my vehicle?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Why is insurance for a teen driver so high in Des Moines?
- How many claims can I have before being cancelled?
- Should I file a claim if it’s only slightly more than my deductible?
- Will my rates increase for filing one claim?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.
For more Iowa car insurance information
Additional car insurance information can be found on the Iowa Insurance Division website. Click here for link. Iowa consumers can find a variety of consumer forms, read state legal mandates and laws, read enforcement actions against agents and companies, and read consumer alerts.
Smart consumers save more
Throughout this article, we presented a lot of information how to get a better price on car insurance. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with the smaller companies.
Cheap car insurance can be bought online and also from your neighborhood Des Moines agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your aim should be to purchase a proper amount of coverage at a price you can afford.