Car Insurance in Boyden, IA - 6 Discounts You Might be Losing Out On

Are you intimidated by the crazy number of car insurance options in Boyden? Many other drivers are as well. You have so many options available that it can turn into a lot of work to find the lowest price.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. This article will help educate you on how to effectively get price quotes. Nevertheless, Iowa consumers do need to know how companies price online insurance and apply this information to your search.

Policy discounts you shouldn't miss

Companies don't always advertise every discount in a way that's easy to find, so we took the time to find both the well known and also the lesser-known car insurance savings.

  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Multiple Policy Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.

It's important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it doesn't quite work that way.

compare Boyden car insurance rates

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all say the same thing of big savings if you switch to them. How can each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer might be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a higher premium which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save money. That's the way insurance companies can confidently advertise the way they do. This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Learn more about Iowa car insurance

More tips and info about car insurance can be found at the Iowa Insurance Division website. Visitors are able to view a list of available companies, report car insurance fraud, and read consumer alerts.

The best insurance company isn't always the cheapest

Consumers switch companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, policy non-renewal and even high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company is less work than it seems.

Low-cost car insurance can be found both online and with local Boyden insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

When shopping online for car insurance, it's a bad idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.