Free Guide to Saving Money on Akron Auto Insurance Online

Scraping up a payment for overpriced auto insurance can empty your bank account and put a big crunch on your finances. Doing a price comparison is a smart way to make sure you're not throwing money away. Drivers have multiple to pick from, and even though it's nice to have a selection, it can be more challenging to compare rates.

It's important to compare prices on a regular basis since insurance rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago the chances are good that you can find a lower rate today. Don't believe everything you read about auto insurance on the web, but I'm going to show you some great ways to save money.

Buying car insurance in Akron is easy if you know what you're doing. If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to find better prices while maximizing coverage. Iowa vehicle owners just need to know the most effective way to get comparison quotes over the internet.

Take advantage of discounts

Car insurance companies don't list all their discounts very clearly, so we researched some of the best known and the more hidden auto insurance savings. If you're not getting every credit you deserve, you're paying more than you need to.

Sign Online - Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
College Student - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
No Accidents - Drivers who don't have accidents pay much less as compared to bad drivers.
Senior Discount - Mature drivers may be able to get better auto insurance rates.
Memberships - Affiliation with a qualifying organization could qualify you for a break on auto insurance.
New Vehicle Savings - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
Air Bag Discount - Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
Driver Safety - Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.

Drivers should understand that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, companies wouldn't make money that way.

To see a list of companies who offer auto insurance discounts in Iowa, follow this link.

Akron Auto Insurance Prices Online

Finding cheaper auto insurance prices doesn't have to be difficult. Just invest a few minutes comparing rates provided by online insurance companies. This can be done in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form entry for each company. One form submission will get you rate comparisons direct from many companies.
A harder way to compare rate quotes requires you to visit each individual company website and request a quote. For sake of this example, let's say you want comparison quotes from , and . You would have to spend time on each company's site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Akron, click here.

Which method you use is up to you, but ensure you are comparing identical coverage information with every price quote. If you enter unequal deductibles or liability limits it will be impossible to find the best deal in Akron.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

Marriage brings a discount - Having a wife or husband can get you a discount when buying auto insurance. It means you're more mature than a single person and it's statistically proven that married drivers get in fewer accidents.
Mature drivers pay less - Teenage drivers in Iowa are known to be more careless when driving so they pay higher auto insurance rates. Having to add a teen driver to your auto insurance policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, architects and financial analysts tend to have higher average rates attributed to stressful work requirements and long work hours. Conversely, professions such as pilots, engineers and performers receive lower rates.
Men pay higher rates - Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women tend to get into accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
Don't sacrifice liability coverage - Liability coverage is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
A clean driving record saves money - Just one citation can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to keep their license.

Are auto insurance companies telling the truth?

Iowa drivers can't get away from ads for car insurance savings by State Farm, GEICO and Progressive. They all seem to say the same thing that you'll save big after switching to their company.

How does each company say the same thing?

Different companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured might be profiled as a mature driver, insures multiple vehicles, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate which usually ends up with business not being written. The ad wording is "people who switch" not "people who quote" save that much. This is how companies can make the claims of big savings. Because of the profiling, drivers must compare as many rates as you can. It's not possible to predict which insurance companies will fit your personal profile best.

A tidy conclusion

Budget-conscious auto insurance can be bought on the web and also from your neighborhood Akron agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate.

More detailed Iowa auto insurance information is located at the Iowa Insurance Division website. Iowa drivers can get help finding coverage, read enforcement actions against agents and companies, read industry bulletins, and learn about insurance regulations.

Additional helpful sites include this site for Iowa auto insurance information and see this list of insurance agents in Akron.