7 Discounts Dexter Drivers Forget when Comparing Car Insurance

Expensive car insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a smart way to make sure you're not throwing money away.

Multiple compete to insure your vehicles, and because of this it can be hard to compare to get the lowest rate

It's important to shop coverage around quite often since rates are constantly changing. If you had the best price on your last policy you can probably find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the easiest ways to find better coverage at a better price.

How to Buy Dexter Car Insurance Online

Shopping for lower car insurance rates can take hours if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to local insurance agents in Dexter, or you can utilize online quoting to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you don't know exactly the providers you want pricing from. So if you want to choose individual companies to receive pricing from, we put together a list of low cost car insurance companies in Iowa. View list of Iowa insurance companies.

It doesn't matter which method you choose, just make darn sure you compare the exact same deductibles and coverage limits on every quote you get. If you use different values for each quote it will be impossible to determine which rate is truly the best in Dexter. Just a small difference in coverages may result in large price differences. And when comparison shopping, comparing more company's prices will increase your chances of finding better pricing.

Be sure to get all your discounts

Auto insurance companies do not list all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden car insurance savings.

  • Sign Online - Some insurance companies may give you up to $50 for buying your policy on their website.
  • Senior Citizens - Mature drivers can possibly qualify for a small decrease in premiums.
  • Student Driver Training - Have your child complete a driver education course in high school.
  • Defensive Driving Course - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Drive Less and Save - Keeping the miles down can earn lower rates on the low mileage vehicles.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy could earn a price break for each car.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, car insurance companies aren't that generous.

To see a list of companies with the best car insurance discounts in Dexter, follow this link.

How do I know if I need professional advice?

When choosing the right insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions may help you determine whether or not you may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I wreck a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be found at the Iowa Insurance Division website. Visitors are able to get help finding coverage, learn about insurance regulations, view a list of available companies, and discover disciplinary actions.