Proven Ways to Save on Churdan Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out. There is such a variety of to pick from, and even though it's nice to have a selection, so many choices can make it hard to compare rates.

It's important to get comparison quotes at least once a year because rates are constantly changing. Even if you got the lowest rates last year the chances are good that you can find a lower rate today. So just block out anything you think you know about car insurance because you're going to learn the tricks you need to know to save on car insurance.

These discounts can lower your rates

Companies offering auto insurance don't list every available discount very clearly, so we break down some of the more common and the more hidden ways to save on car insurance. If you're not getting every credit possible, you're paying more than you need to.

Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Defensive Driver - Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Multi-policy Discount - When you combine your home and auto insurance with one insurance company you may save at least 10% off all policies.
Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, car insurance companies aren't that generous.

To see a list of providers offering car insurance discounts in Iowa, click this link.

Comprehensive Churdan Car Insurance Comparison Quotes

Most companies like Allstate and Progressive provide insurance quotes on their websites. The process doesn't take much effort as you simply enter the coverage amounts you desire as detailed in the form. Once you submit the form, their rating system will obtain your credit score and driving record and returns pricing information based on these factors. This makes it a lot easier to compare rates but the time it takes to visit each company's website and repetitively complete many quote forms can get tiresome after awhile. But it's very important to perform this step if you want to find better car insurance pricing.

Quote rates the easy way

The preferred way to find better car insurance pricing utilizes a single form to return rates from multiple companies. The form is fast, reduces the work, and makes price shopping online much more efficient. Immediately after submitting the form, it gets priced and you can choose any one of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process takes less than 15 minutes and you'll know if lower rates are available.

If you want to find out what other companies charge, click here to open in new window and input your coverage information. To compare your current rates, we recommend you type in the limits and deductibles identical to your current policy. This makes sure you will get comparison quotes based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Multiple policies with one company can save - Most car insurance companies give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount you may still want to compare rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
Policy add-ons can waste money - There are many extra coverages you can purchase on your policy. Coverages for rental car reimbursement, better glass coverage and membership fees may be wasting your money. These may sound like a good investment at first, but your needs may have changed so eliminate them to save money.
Clean credit earns discounts - Your credit score is a large factor in calculating your car insurance rates. If your credit rating is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
Big city or small town - Choosing to live in small towns and rural areas has it's advantages when it comes to car insurance. Drivers in populated areas have congested traffic and longer commutes to work. Fewer drivers means reduced accidents.
Claim-free discounts can add up - If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies in Iowa give lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the large, substantial claims.
Being married can save on car insurance - Having a spouse can actually save you money on your car insurance policy. Marriage usually means you are more responsible and it's statistically proven that being married results in fewer claims.
More miles equals more premium - The more miles you rack up on your car in a year the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance policy shows how each vehicle is driven.

Are you falling for claims of savings?

Consumers can't get away from ads that promise big savings from companies such as Allstate and Progressive. All the ads make the same claim about savings if you switch your policy.

How does each company make the same claim?

Insurance companies are able to cherry pick for the right customer that is profitable for them. For example, a preferred risk could be between the ages of 40 and 55, has no tickets, and drives newer vehicles. A customer who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged higher prices which leads to business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. That's the way companies can truthfully claim big savings. That is why drivers must get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.

Best coverage at the best price

When trying to cut insurance costs, make sure you don't reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheap car insurance can be found from both online companies in addition to many Churdan insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just showed you many ideas to compare car insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even discover the lowest priced car insurance comes from a company that doesn't do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as .

Find out more about car insurance

Even more information can be found at the Iowa Insurance Division website. Consumers can read consumer alerts, discover disciplinary actions, find out industry alerts, and view agent and company licensing information.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Churdan agent directory.