8 Tips to Save on Car Insurance in Danville

Are you tired of scraping the payment together each month for car insurance? You are in the same boat as many other Iowa consumers.

Insurance companies such as GEICO and Progressive persitently shower you with catchy ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to shop coverage around once or twice a year since rates are constantly changing. Despite the fact that you may have had the best price a few years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're about to find out one of the best ways to reduce your cost while improving coverage.

How much can you save with these eight discounts?

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so we took the time to find some of the more common as well as the least known car insurance savings.

  • Homeowners Pay Less - Owning a house in Danville may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • 55 and Retired - Older drivers may be able to get a small decrease in premiums.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
  • Claim Free - Claim-free drivers can save substantially as compared to frequent claim filers.
  • Driver Safety - Completing a driver safety course could save 5% or more depending on where you live.

It's important to note that most credits do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you're out of luck.

For a list of companies who offer car insurance discounts in Danville, follow this link.

How to Compare Car Insurance Costs in Danville

There are several ways you can shop for car insurance but one way is less time-consuming than others. You can waste hours talking to agents in Danville, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company then gives them pricing based on that information. This eliminates the need for quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is that you can't choose the companies you want pricing from. So if you want to select specific providers for rate comparison, we have assembled a list of car insurance companies in Iowa. Click to view list.

Which method you use is up to you, but double check that you are using exactly the same coverage information with each company. If the quotes have unequal deductibles or liability limits it's impossible to make an equal comparison in Danville. Just a small difference in limits may result in large price differences. It's important to know that comparing more company's prices will improve the odds of getting the best offered rates.

Shop smart and save

Lower-priced car insurance can be bought from both online companies as well as from independent agents in Danville, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, it's a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.