Comparison Shop Clermont Auto Insurance Prices With These Methods

Shopping for affordable Clermont auto insurance online can be somewhat difficult for consumers not familiar with price shopping online. With so many choices of companies competing online, how can you have a chance to compare every company to locate the best available rates?

Why some people pay less for insurance in Clermont

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

Shown below are a few of the "ingredients" companies use to determine prices.

Your stress level may be raising your rates - Careers like lawyers, social workers and financial analysts tend to pay higher average rates attributed to high stress and lengthy work days. Conversely, occupations such as pilots, engineers and retirees have the lowest average rates.
Being married is a good thing - Having a spouse helps lower the price on auto insurance. Having a significant other is viewed as being more mature and it's statistically proven that married drivers get in fewer accidents.
Extra coverages can waste money - There are quite a few add-on coverages that can waste your money on your auto insurance policy. Coverages for rental car reimbursement, accident forgiveness and motor club memberships are some examples. These coverages may sound good at first, but if you don't need them eliminate them to save money.
Teen drivers pay high rates - Teen drivers in Iowa have a tendency to be careless and easily distracted when driving so they pay higher auto insurance rates. Adding a youthful driver to your policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
High deductibles save money - The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The higher the amount you're willing to pay, the bigger discount you will receive.
Multi-policy discounts can save money - Some insurance companies provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to comparison shop to make sure you are getting the best deal.

How to Lower Your Auto Insurance Cost in Clermont, Iowa

All major auto insurance companies like Progressive, Allstate and GEICO allow you to get pricing online. This process is pretty easy as you simply type in the coverages you want as detailed in the form. After the form is submitted, the company's rating system will obtain information on your driving record and credit history and generates pricing information.

Being able to quote online makes comparing rates easy, but the time it takes to visit many different websites and complete many quote forms is repetitive and time-consuming. But it's very important to do this in order to find the best price on auto insurance.

The preferred way to find lower prices uses one form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, it is rated with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes 15 minutes at the most and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you input your coverages as shown on your current policy. This makes sure you will receive rate quotes for the exact same coverage.

Are you getting all your discounts?

Companies that sell car insurance don't list every discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

Accident Free - Drivers who don't have accidents can save substantially when compared to accident-prone drivers.
Paperwork-free - Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.
Safety Course Discount - Completing a course in driver safety could cut 5% off your bill if your company offers it.
Save over 55 - If you're over the age of 55, you may receive reduced rates.
Multiple Cars - Buying coverage for all your vehicles with the same company could earn a price break for each car.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

To choose insurance companies with discount auto insurance rates in Iowa, click here.

How can Progressive, Allstate and GEICO save drivers who switch?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all have a common claim that you can save if you change to them. How does each company make almost identical claims?

All companies have a preferred profile for the type of driver that makes them money. For example, a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be quoted more money and this can result in the driver buying from a lower-cost company. The ad wording is "people who switch" not "everybody who quotes" save money. This is how insurance companies can state the savings. This emphasizes why you need to get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

Additional detailed information can be found at the Iowa Insurance Division website. Iowa consumers can read industry bulletins, get help finding coverage, and discover disciplinary actions.

The best insurance company isn't always the cheapest

Drivers leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, delays in responding to claim requests or even not issuing a premium refund. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.

Affordable auto insurance is attainable online and with local Clermont insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.