Tightwads Tips for Saving on Anita Auto Insurance

Have you had enough of being strong-armed each month for car insurance? Your situation is no different than many other Iowa drivers.

Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

It's important to compare prices before your policy renews because insurance rates are constantly changing. Just because you found the lowest price two years ago you can probably find a better price now. There is too much inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to quit paying high auto insurance rates.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. Both sexes tend to get into accidents in similar numbers, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
Do you work long hours in a high stress job? - Jobs such as judges, architects and financial analysts tend to have higher average rates in part from high stress and long work days. Conversely, professions such as farmers, engineers and retirees receive lower rates.
Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and windstorm damage. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.
Don't buy coverages you don't need - There are quite a few extra bells and whistles that you can buy on your auto insurance policy. Coverages for roadside assistance, towing coverage and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they're wasting money eliminate them to save money.
Better crash test results mean better rates - Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Traffic violations increase rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to prevent a license revocation.
Do you have enough liability coverage? - Your policy's liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Multi-policy discounts can save money - Some companies will give a discount to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to ensure the best deal. Drivers may still find better rates by splitting coverages up.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but a few must be specially asked for prior to getting the savings.

Save over 55 - If you're over the age of 55, you may receive better auto insurance rates.
No Accidents - Claim-free drivers pay much less as compared to accident-prone drivers.
Multiple Cars - Insuring all your vehicles with the same company qualifies for this discount.
Drive Less and Save - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.

Keep in mind that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down your overall premium however.

To choose companies with discount auto insurance rates in Iowa, follow this link.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to say the same thing that you can save if you change to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies can use profiling for the driver that makes them money. For instance, a desirable insured could possibly be a mature driver, is a homeowner, and chooses high deductibles. A driver who fits that profile gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that much. That's why insurance companies can state the savings.

Because of the profiling, you should quote coverage with many companies. It is impossible to predict the company that will give you the biggest savings.

Learn more today

More information is located on the website for the Iowa Insurance Division. Click here for link. Iowa consumers can learn about insurance regulations, read industry bulletins, report car insurance fraud, and discover disciplinary actions.

Do the work, save more money

When buying insurance coverage, it's very important that you do not buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price.

Affordable auto insurance can be sourced online and also from your neighborhood Anita agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.