7 Discounts Brooklyn Drivers Forget when Quoting Car Insurance

No one likes having to buy car insurance, especially when they are paying too much. You have so many to pick from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates.

It's important to price shop coverage occasionally since rates are constantly changing. If you had the best rates on your last policy you can probably find a better price now. Don't believe everything you read about car insurance online but I'm going to show you some great ways to quit paying high car insurance rates.

The purpose of this post is to introduce you to the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Iowa vehicle owners just need to know how to shop for car insurance online.

These seven discounts can lower your rates

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Most are applied when you quote, but some may not be applied and must be inquired about prior to getting the savings. If you're not getting every credit you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
College Student - Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
Drive Less and Save - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
Organization Discounts - Belonging to a qualifying organization could qualify you for a break on car insurance.
55 and Retired - If you're over the age of 55, you can possibly qualify for a discount up to 10%.

Consumers should know that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will bring down the cost of coverage.

To choose companies with the best car insurance discounts in Iowa, follow this link.

Are you falling for claims of savings?

Consumers can't ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing that you'll save big if you move your policy.

How does each company make the same claim?

All the different companies have a certain "appetite" for the right customer that makes them money. A good example of a desirable insured could be over the age of 40, owns a home, and has great credit. Any new insured who fits that profile receives the best rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save that kind of money. That is how companies can advertise the savings.

Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which company will fit your personal profile best.

Different people need different coverages

When buying coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. For instance, these questions might point out whether you could use an agent's help.

What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?
Is my nanny covered when driving my vehicle?
Am I getting all the discounts available?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

For more Iowa car insurance information

Much more information about car insurance in Iowa can be read on the website for the Iowa Insurance Division through this link. Consumers can view agent and company licensing information, read consumer alerts, view a list of available companies, and read enforcement actions against agents and companies.

Other informative sites include Wikipedia and this Brooklyn agent directory.

A tidy conclusion

When you buy insurance online, make sure you don't buy poor coverage just to save money. In many instances, an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at an affordable rate.

Discount car insurance is possible from both online companies in addition to many Brooklyn insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.