Find Cheap Clive Auto Insurance

Searching for affordable Clive auto insurance on the internet is intimidating for beginners to online price comaprisons. Since there are so many online companies, how can consumers have a chance to compare every one to find the cheapest rates?

It's important to do rate comparisons yearly since insurance rates are constantly changing. If you had the lowest rates six months ago a different company probably has better rates today. Starting right now, ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to remove unneeded coverages and save money.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. Most are applied at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit.

College Student - Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
New Vehicle Savings - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Government Employees - Active or retired federal employment can save as much as 8% with select insurance companies.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Bundle and Save - If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
Accident Free - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

Why some people pay less for insurance in Clive

Smart consumers have a good feel for some of the elements that come into play when calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" companies use to determine rates.

Older drivers pay less - Teenage drivers in Iowa tend to be more careless when driving so they pay higher auto insurance rates. If you've ever had to add a youthful driver to your policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
Lower miles equals lower premium - The more you drive in a year's time the more you will pay for auto insurance. Most companies price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance policy shows the correct driver usage.
Frequent auto insurance claims increase rates - Car insurance companies in Iowa provide lower rates to insureds who file claims infrequently. If you are a frequent claim filer, you can expect higher rates. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Do you qualify for a multi-policy discount? - The majority of companies will give a discount to people who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to compare other company rates to make sure you are getting the best deal.
Rates may be higher depending on your occupation - Jobs such as lawyers, architects and financial analysts tend to pay higher average rates in part from high stress levels and lengthy work days. Conversely, occupations such as pilots, engineers and the unemployed have the lowest average rates.

Different people need different coverages

When it comes to buying adequate coverage for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's situation is unique.

For instance, these questions can help discover whether you could use an agent's help.

Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
Do I have coverage for damage caused while driving under the influence?
Am I covered if I drive in a foreign country?
Does my policy cover me when driving someone else's vehicle?
Am I covered when driving in Canada or Mexico?
What companies insure drivers after a DUI or DWI?

If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Are you falling for claims of savings?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to say the same thing about savings if you move to them. How does each company say the same thing? This is how they do it.

All companies have a preferred profile for the type of driver that earns them a profit. For example, a desirable insured might be profiled as over the age of 40, has no prior claims, and has a high credit rating. A propective insured who fits that profile 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 have to pay higher prices which usually ends up with business not being written. The ad wording is "drivers who switch" not "everybody who quotes" save money. This is how companies can truthfully state the savings.

Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict which insurance companies will have the lowest rates.

Learn more about auto insurance in Iowa

Additional information can be found on the Iowa Insurance Division website. Click here for link. Iowa drivers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and download brochures.

Also read more on this Car Insurance FAQ and this page of insurance agents in Clive.

Final considerations

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that they should have had better coverage. Your aim should be to purchase a proper amount of coverage for the lowest price.

Consumers who switch companies do it for any number of reasons including not issuing a premium refund, delays in paying claims, high rates after DUI convictions and even extreme rates for teen drivers. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.

Cheap auto insurance is definitely available on the web and with local Clive insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.