8 Discounts Carroll Consumers Forget when Comparing Car Insurance

No one looks forward to paying for car insurance, especially when they are paying too much.

Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and consumers find it hard to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this strategy. Finding the best rates in Carroll is not that difficult. Although Iowa car owners do need to know how big insurance companies determine prices and take advantage of how the system works.

Are you getting all your discounts?

Companies don't list every discount in a way that's easy to find, so here is a list some of the more common and the more hidden car insurance savings.

  • Federal Employees - Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in high school.
  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Low Mileage Discounts - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
  • Defensive Driving Course - Successfully completing a driver safety course can save you 5% or more depending on where you live.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies with the best car insurance discounts in Carroll, follow this link.

Finding Car Insurance in Carroll, IA

Most major insurance companies provide coverage price quotes on their websites. Getting quotes is fairly simple as you simply type in your coverage preferences as detailed in the form. Once entered, their rating system will obtain credit information and your driving record and returns a price quote based on these and other factors. Online quotes streamlines rate comparisons, but the time required to go to many different websites and type in the same information gets old quite quickly. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.

Quote rates the easy way

A more efficient way to get multiple rate quotes is to use a quote form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes online price comparison much more enjoyable. Immediately after you send the form, it gets priced and you are able to buy your choice of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you have a policy now, it's recommended you input coverages and limits as close as possible to your current policy. This helps ensure you're receiving rate quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different so your insurance needs to address that. For instance, these questions might point out whether you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?
  • Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Final considerations

As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

The cheapest car insurance is possible from both online companies as well as from independent agents in Carroll, so compare prices from both to have the best rate selection. Some car insurance companies don't offer online quoting and these smaller companies work with independent agents.