Proven Techniques to Save on Donnellson Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not alone. Companies like GEICO and Progressive constantly blast consumers with ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you are insured now or need a new policy, you can learn to find the best rates while maintaining coverages. Finding affordable coverage in Donnellson is easy if you know what you're doing. Iowa vehicle owners just need to know the best way to compare rates online.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for before you get the savings. If you aren't receiving every discount possible, you are throwing money away.

  • Claim Free - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Lower Rates for Military - Having a family member in the military can result in better rates.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Homeowners Discount - Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Multiple Policy Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Defensive Driving Course - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.

Drivers should understand that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

Save $429 a year? Really?

Consumers in Iowa get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all make the same claim that you'll save big if you move your coverage to them.

How can each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the type of customer that earns them a profit. For instance, a driver they prefer might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters receives the best rates and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will be quoted a higher premium which leads to the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can state the savings.

This emphasizes why you should compare many company's rates. It's impossible to know which auto insurance company will give you the biggest savings.

Much more information about auto insurance in Iowa is located on the website for the Iowa Insurance Division found here. Visitors are able to read industry bulletins, find disaster information, find a variety of consumer forms, and get help finding coverage.

auto insurance in Donnellson

And the best car insurance company is...

Budget-conscious auto insurance is definitely available both online as well as from independent agents in Donnellson, so you should be comparing quotes from both to have the best selection. Some insurance companies don't offer you the ability to get quotes online and these small, regional companies work with independent agents.

When buying insurance coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best price while still protecting your assets.