Atlantic Auto Insurance For Less Than You're Paying Now

Cutting costs on Atlantic auto insurance is nearly impossible for beginners to shopping for insurance online. You have so many choices that it can be a big hassle to compare prices in Atlantic.

How much can you save with discounts?

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Some trigger automatically when you quote, but a few must be manually applied prior to getting the savings. If they aren't giving you every credit available, you're paying more than you need to.

Memberships - Participating in certain professional organizations could qualify you for a break when buying auto insurance.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you may reduce your total bill.
Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Student in College - Children who are attending college and don't have a car can receive lower rates.
Discount for Life Insurance - Some companies give lower rates if you buy a life insurance policy as well.

Keep in mind that most credits do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way. But any discount will cut the amount you have to pay.

To see a list of insurers with discount auto insurance rates in Atlantic, follow this link.

Comprehensive Auto Insurance Comparison in Atlantic

There are several ways you can shop for auto insurance but there is one way that is easier and takes less work. You can waste a lot of time discussing policy coverages with insurance companies in Atlantic, or you could use online quotes to get pricing more quickly.

Many insurance companies enroll in a system that allows shoppers to submit one quote, and each company returns a rated price for coverage. This eliminates the need for quotation requests for each company you want a rate for.

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

The single downside to comparing rates this way is you cannot specify which carriers you want pricing from. So if you want to select specific providers to compare rates, we have assembled a list of companies who write auto insurance in Iowa. Click here to view list.

Which method you use is up to you, but double check that you are using the exact same quote information on every quote you get. If you use mixed coverages then you won't be able to determine which rate is truly the best in Atlantic.

Atlantic Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates enables informed choices that could result in lower auto insurance prices.

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

Do you have enough liability coverage? - Your policy's liability coverage will protect you if a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Special features that cut premiums - Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Mature drivers pay less - Mature drivers are more responsible, tend to file fewer claims and are safer drivers. Teen drivers have a tendency to be less responsible in a vehicle therefore auto insurance rates are much higher.
Where do you drive? - The higher the mileage driven every year the more you'll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
Type of vehicle determines base rates - The make and model of the car you are insuring makes a substantial difference in determining your rates. Lower performance four cylinder passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
Careful drivers pay lower rates - Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation can boost insurance rates by as much as thirty percent. Careful drivers get better rates than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.

Save 15 percent in 15 minutes? Is it for real?

Iowa consumers can't get away from ads for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies say the same thing that you can save if you change to their company.

How do they all make almost identical claims? It's all in the numbers.

All companies can use profiling for the driver that is profitable for them. For instance, a profitable customer could possibly be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile must pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can advertise the way they do.

This illustrates why drivers must get a wide range of price quotes. It's impossible to know the company that will provide you with the cheapest rates.

A tidy conclusion

Affordable auto insurance can be sourced online and also from your neighborhood Atlantic agents, so you should compare both to have the best rate selection. Some auto insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Consumers leave their current company for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, delays in responding to claim requests or not issuing a premium refund. It doesn't matter what your reason, finding a new auto insurance company is actually quite simple.

When shopping online for auto insurance, you should never reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

More information is located on the Iowa Insurance Division website found here. Iowa consumers can find out which companies have the most complaints, view a list of available companies, and find disaster information.