Buy Cheap Davenport Car Insurance

Having to pay for overpriced car insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is a smart way to help make ends meet.

Drivers have multiple to pick from, and even though it's nice to have a choice, it can be more challenging to compare rates.

It's important to compare prices on a regular basis due to the fact that insurance rates are constantly changing. Just because you found the best price last year you may be paying too much now. Ignore everything you know about car insurance because we're going to demonstrate how to use online quotes to get good coverage at a lower rate.

This information will help educate you on how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Although Iowa consumers do need to know how companies sell online and apply this information to your search.

Which Car Insurance is Cheapest in Davenport, Iowa?

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in Davenport, or you could save time and use the web to get prices fast.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company then returns a price quote for coverage. 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).

The one downside to comparing rates this way is you cannot specify which companies you want to price. So if you want to choose from a list of companies to compare rates, we put together a list of car insurance companies in Iowa. Click to view list.

Whichever way you use, ensure you are comparing identical quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Davenport. Just a small difference in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find the best offered rates.

Iowa car insurance quotes

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that help determine the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" car insurance companies consider when setting rates.

  • Pleasure use saves money - Driving more miles in a year's time the more you will pay for car insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your car insurance coverage shows the proper vehicle usage.
  • Marriage pays dividends - Having a spouse can get you a discount when buying car insurance. It means you're more responsible and it's proven that married drivers get in fewer accidents.
  • Where you reside plays a part - Residing in small towns and rural areas can be a good thing when talking about car insurance. City drivers have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents.
  • High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply would be a windshield shattered by a rock, damage from fire, or theft. Your deductibles are how much you are required to spend if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
  • Older drivers save more - Youthful drivers in Iowa are known to be more careless when driving so they pay higher car insurance rates. If you've ever had to add a youthful driver to your car insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Women pay lower rates - Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Some trigger automatically when you quote, but a few need to be asked for before you get the savings.

  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Sign Online - A few companies may give you up to $50 for buying your policy over the internet.
  • Accident Waiver - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
  • College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Own a Home - Owning a house in Davenport may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Senior Citizens - Older drivers may be able to get better car insurance rates.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

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

Additional information can be found on the website for the Iowa Insurance Division located here. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, view agent and company licensing information, and report car insurance fraud.

Other useful links include Wikipedia and this page where you can research Davenport insurance agents.

Final considerations

As you prepare to switch companies, make sure you don't reduce needed coverages to save money. In many instances, drivers have reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at a price you can afford.

The cheapest car insurance can be sourced both online and also from your neighborhood Davenport agents, so you should compare both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just presented many ways to lower your car insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like .