Tightwads Guide to Saving on Britt Auto Insurance

Nobody enjoys paying for auto insurance, especially knowing the price is too high.

With so many companies to choose from, it can be challenging to locate the best insurance company.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Even if you got the best deal last year a different company probably has better rates today. Starting now, forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to save on auto insurance.

Take advantage of discounts

Companies that sell car insurance don't always publicize all their discounts very well, so here is a list some of the best known and also the lesser-known auto insurance savings.

  • Bundle and Save - If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Early Signing - Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Passive Restraints - Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Use Seat Belts - Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.

Keep in mind that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, it just doesn't work that way.

Iowa auto insurance quotes

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that go into determining auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

Listed below are some of the factors that factor into rates.

  • Where you live - Living in a rural area can be a good thing when buying auto insurance. City drivers tend to have much more traffic and longer commute times. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • A clean driving record saves money - Just one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to continue driving.
  • Clean credit earns discounts - Credit score is a big factor in determining your rates. So if your credit is lower than you'd like, you could potentially save money when insuring your by improving your rating. Consumers who have good credit tend to be less risk to insure than those with poor credit.
  • Don't cancel a policy without a new one in place - Allowing your auto insurance policy to lapse is a sure-fire way to increase your auto insurance rates. Not only will you pay more, getting caught without coverage will get you a steep fine or even jail time.Then you may be required to file a SR-22 with the Iowa department of motor vehicles.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing that you can save if you switch your policy. But how can every company say the same thing? It's all in the numbers.

All companies have a certain "appetite" for the right customer that earns them a profit. An example of a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A propective insured who fits that profile receives the best rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say "customers who switch" not "people who quote" save that kind of money. That is how insurance companies can claim big savings. Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

Additional detailed information is available at the Iowa Insurance Division website. Iowa drivers can view agent and company licensing information, file complaints about a company, find out industry alerts, and find a variety of consumer forms.

Also read more on Wikipedia and this Britt agent directory.

Iowa auto insurance

The best insurance company isn't always the cheapest

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. In many instances, someone dropped liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to buy enough coverage at the best price.

Throughout this article, we presented a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like .