Tightwads Tips for Saving on Ashton Car Insurance

Paying for high-priced car insurance can overdraw your savings account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. There is such a variety of to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

It's important to get comparison quotes yearly because rates are constantly changing. Even if you got the best rates a couple years back you can probably find a lower rate today. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to find affordable car insurance.

How to Get Cheap Car Insurance in Ashton, IA

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance agencies in Ashton, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and each participating company then gives them pricing determined by their information. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to doing it this way is you are unable to specify the providers you want pricing from. If you wish to select individual companies to compare rates, we put together a list of the cheapest car insurance companies in Iowa. Click to view list.

It's up to you how you get prices quotes, just make sure you use identical information for each price quote. If your comparisons have higher or lower deductibles you will not be able to truly determine the lowest rate in Ashton.

Be sure to get all your discounts

Auto insurance companies do not advertise all their discounts very clearly, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance. If you're not getting every credit you deserve, you're paying more than you need to.

  • Accident Waiver - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Driver Safety - Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • 55 and Retired - Mature drivers may be able to get a discount up to 10%.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, you won't be that lucky.

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

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there isn't really a best way to insure your cars. Every insured's situation is different so this has to be addressed. For example, these questions can help discover whether or not you would benefit from professional advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in Iowa?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Even more information can be read at the Iowa Insurance Division website. Consumers can get help finding coverage, view agent and company licensing information, file complaints about an insurance agent or broker, and learn about insurance regulations.