Lower Online Dow City Auto Insurance Prices With These Techniques

Using the web to shop for Dow City auto insurance can seem like an uphill battle if you are a beginner to online quotes. But relax because there is an easy way to compare rates.

These discounts can lower your rates

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be requested specifically before you get the savings. If you're not getting every credit you qualify for, you are throwing money away.

  • Military Rewards - Being deployed with a military unit could mean lower rates.
  • Early Signing - Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Homeowners Savings - Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.

It's important to note that some credits don't apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you're out of luck. But any discount will bring down the cost of coverage.

compare Dow City auto insurance rates

Why some people pay less for insurance in Dow City

Smart consumers have a good feel for the factors that go into determining auto insurance rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Safe vehicles cost less to insure - Cars with high safety ratings get lower rates. The safest vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and thus lower rates.
  • More performance means more cost - The type of car you are buying insurance for makes a significant difference in how high your rates are. The lowest rates are usually for economy passenger cars, but there are many factors that impact the final cost.
  • Traffic citations inflate rates - Even one ticket can increase rates twenty percent or more. Good drivers have lower premiums than bad drivers. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Having a spouse can save you money - Getting married can actually save you money on auto insurance. Having a significant other is viewed as being more mature and it's proven that married couples file fewer claims.

Different people need different coverages

When it comes to buying coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different.

For instance, these questions may help highlight whether you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Iowa?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Iowa?

If you can't answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Iowa drivers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all have a common claim that you can save if you switch to them.

How does each company say the same thing?

All companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a driver they prefer might be profiled as a mature driver, a clean driving record, and has a high credit rating. A propective insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted a higher premium and this can result in business not being written. The ad wording is "customers that switch" not "everybody who quotes" save money. That is how insurance companies can state the savings.

This emphasizes why drivers should get as many quotes as possible. It's not possible to predict which company will have the lowest rates.

More information can be read on the Iowa Insurance Division website located here. Iowa drivers can find disaster information, learn about specific coverages, and file complaints about a company.

Iowa auto insurance

A tidy conclusion

Drivers switch companies for a number of reasons such as unfair underwriting practices, high prices, poor customer service and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

In this article, we covered a lot of ways to reduce auto insurance prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

Lower-priced auto insurance is available on the web and with local Dow City insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.