Central City Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of auto insurance options in Central City? Many other drivers are as well. There are so many options that it can turn into a ton of work to find better rates.

It's important to check auto insurance prices at least once a year because prices are constantly changing. If you had the best deal a year ago you can probably find a better price now. So block out anything you think you know about auto insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Buying affordable auto insurance coverage in Central City is simple if you know the tricks. But Iowa drivers do need to know how insurance companies determine prices and take advantage of how the system works.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Rate your vehicle for proper use - The more you drive in a year the more you will pay for auto insurance. Most companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance policy is showing the correct driver usage, because it can save money.
  • Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you.
  • Optional equipment can affect rates - Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be a windshield shattered by a rock, damage from fire, or theft. Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you're willing to pay, the less your auto insurance will be.
  • Little extras can really add up - There are a lot of extra coverages that you can buy on your auto insurance policy. Coverages like vanishing deductibles, towing coverage and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don't need them get rid of them and save.
  • Sex matters - Statistics demonstrate that men are more aggressive behind the wheel. However, don't assume that women are better drivers. Both sexes have accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
  • How many coverages with the same company - The majority of insurers will give a discount to customers who have multiple policies with them. It's known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.

Iowa auto insurance quotes

How much can you save with discounts?

Companies don't always advertise all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known savings tricks you should be using.

  • Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance.
  • Drive Less and Save - Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course in high school.
  • Homeowners Discount - Owning a house in Central City can help you save on auto insurance because of the fact that having a home requires personal responsibility.
  • Defensive Driving Course - Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Save over 55 - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Military Rewards - Being on active duty in the military can result in better rates.

Consumers should know that most discount credits are not given the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

To choose companies with the best auto insurance discounts in Central City, click here to view.

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

Auto insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to make an identical promise that you'll save big if you move to them. How do they all make almost identical claims?

Insurance companies are able to cherry pick for the type of driver that makes them money. An example of a desirable insured could possibly be over the age of 50, has no tickets, and has excellent credit. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save money. That's the way companies can make those claims. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.

Find out more about auto insurance

More detailed Iowa auto insurance information is available at the Iowa Insurance Division website. Iowa consumers can file complaints about an insurance agent or broker, find disaster information, and view a list of available companies.

auto insurance in Central City

Do the work, save more money

While you're price shopping online, you should never buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford.

Discount auto insurance is possible online and with local Central City insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

People who switch companies do it for a number of reasons such as delays in paying claims, delays in responding to claim requests, extreme rates for teen drivers or even lack of trust in their agent. It doesn't matter what your reason, choosing a new insurance company is easier than you think.