Comparing Cheap Cumming Auto Insurance

Sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Iowa drivers.

Drivers have so many to buy insurance from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Even if you got the best rates last year you can probably find a better price now. There is too much inaccurate information about auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Lower miles equals lower premium - Driving more miles every year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
More claims means more premium - Car insurance companies in Iowa provide lower rates to insureds who do not file claims often. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Where you live can impact rates - Being located in less populated areas can be a good thing when buying auto insurance. City drivers regularly have much more traffic and longer commute times. Lower population means a lower chance of having an accident and a lower car theft rate.
Do men or women drive better? - The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both have accidents at a similar rate, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Liability coverage is cheap - Liability coverage will protect you if ever a jury decides you are liable for personal injury or accident damage. 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.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, architects and financial analysts have higher average rates in part from high stress levels and lots of time spent at work. Conversely, occupations like farmers, engineers and performers get better rates.
Safe vehicles cost less to insure - Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them.

New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Senior Discount - If you're over the age of 55, you may be able to get a small decrease in premiums.
Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Organization Discounts - Affiliation with a qualifying organization could qualify you for a break on auto insurance.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

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

Save $429 a year? Really?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your coverage to them. How does each company say the same thing? This is how they do it.

All the different companies can use profiling for the type of customer that makes them money. A good example of a desirable insured might be profiled as a mature driver, is a homeowner, and drives newer vehicles. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will have to pay more money which usually ends up with business not being written. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully claim big savings.

Because of the profiling, you should get quotes from several different companies. It's not possible to predict the company that will give you the biggest savings.

Learn more today

Additional information can be read on the website for the Iowa Insurance Division. Click here for link. Iowa drivers can file complaints about an insurance agent or broker, download brochures, view agent and company licensing information, and learn about insurance regulations.

Shop smart and save

When trying to cut insurance costs, it's very important that you do not buy poor coverage just to save money. In many instances, an accident victim reduced full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

Cheaper auto insurance can be purchased on the web as well as from independent agents in Cumming, and you need to price shop both in order to have the best chance of saving money. A few companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.