How to Know You're Paying Too Much for Auto Insurance in Clemons

No one in their right mind enjoys paying for auto insurance, especially knowing the cost is too high.

Since consumers have many insurance companies to choose from, it is hard for the average consumer to find the most affordable provider.

It's important to take a look at other company's rates occasionally since insurance rates are constantly changing. Even if you got the best rates six months ago there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

Clemons Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with big savings.

The following are some of the items auto insurance companies consider when setting rates.

Where you live - Living in less populated areas can be a good thing when buying auto insurance. City drivers regularly have much more traffic and longer commute times. Fewer people translates into fewer accidents and a lower car theft rate.
Credit scores impact auto insurance rates - Credit history is a big factor in determining your rates. If your credit is not that good, you could save money insuring your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores.
Save money with special equipment - Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Do you have enough liability coverage? - Liability coverage is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Automobile Insurance Quotes in Clemons, IA

There are several ways to shop for auto insurance, but there is one way that is less time-consuming than others. You can spend your afternoon talking about coverages with insurance companies in Clemons, or you could use the internet for quick rates.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and every company then returns a price quote based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of form is you cannot specify which providers you want to price. If you would rather choose specific insurance companies to compare rates, we have assembled a list of companies who write auto insurance in Iowa. Click to view list.

Which method you use is up to you, but make absolute certain that you use apples-to-apples information with each company. If each company quotes higher or lower deductibles you can't possibly make an equal comparison in Clemons. Just a small difference in limits may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes gives you a better chance of getting the best price.

How much can you save with discounts?

Companies don't list all their discounts very well, so the following is a list of some of the best known and also the lesser-known auto insurance savings.

Bundle and Save - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Passive Restraints - Factory air bags or motorized seat belts can receive discounts up to 30%.
Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
Organization Discounts - Affiliation with a professional or civic organization could qualify you for a break on auto insurance.

Keep in mind that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it just doesn't work that way.

To choose companies who offer auto insurance discounts in Iowa, follow this link.

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

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to say the same thing that you can save after switching to their company. But how can every company say the same thing? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a desirable insured might be profiled as between 25 and 40, owns a home, and has a high credit rating. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money which usually ends up with business not being written. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can state the savings. Because of the profiling, you need to get a wide range of price quotes. It's not possible to predict which company will have the lowest rates.

How much car insurance do I need?

When buying coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs would benefit from an agent's advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I getting all the discounts available?

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

Additional detailed information can be read at the Iowa Insurance Division website. Iowa drivers can view agent and company licensing information, find out industry alerts, view a list of available companies, and find out which companies have the most complaints.

Other informative sites include Wikipedia and this Clemons agent directory.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. In many instances, an insured cut full coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to get the best coverage possible at the best price.

In this article, we covered a lot of information how to compare auto insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like .

Affordable auto insurance can be purchased on the web and also from your neighborhood Clemons agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.