Buy the Cheapest Dows Auto Insurance

Expensive auto insurance can take a big chunk out of your bank account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to help make ends meet.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Where Can I Get Cheap Dows Auto Insurance?

There are multiple methods to compare auto insurance quotes, but some are more efficient than others. You could spend your day driving to insurance companies in Dows, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies enroll in a system that enables customers to enter their policy data once, and at least one company returns a competitive quote. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

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

The only downside to using this type of system is you can't choose which companies to get quotes from. If you wish to select specific providers to compare prices, we have assembled a list of auto insurance companies in Iowa. Click here to view list.

It's up to you how you get prices quotes, just make sure you use exactly the same coverage limits on every quote. If you are comparing differing limits it's not possible to make a fair comparison in Dows. Having just a slight variation in limits may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes will increase your chances of finding better pricing.

Dows Rates are Influenced by These Factors

It's important that you understand the rating factors that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

Shown below are some of the factors auto insurance companies consider when setting prices.

An active claims history can cost you - Companies in Iowa give cheaper rates to drivers who are claim-free. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Rate your vehicle for proper use - The higher the mileage driven in a year's time the higher your rate. Most insurance companies price each vehicle's coverage based on their usage. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
Better crash test results mean better rates - Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
Your stress level may be raising your rates - Careers like doctors, executives and dentists tend to have the highest average rates because of high stress and lengthy work days. Other jobs such as pilots, historians and retirees receive lower rates.
Higher deductibles cost less - Physical damage deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The more money you are required to pay out-of-pocket, the bigger discount you will receive.

Don't pay full price with these discounts

Car insurance companies don't always list every discount in a way that's easy to find, so here is a list some of the best known as well as the least known ways to save on auto insurance.

Government Employees - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
Auto/Life Discount - Some companies give better rates if you take out a life insurance policy as well.
Low Mileage Discounts - Low mileage vehicles can qualify you for better rates on cars that stay parked.
Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if offered at their school.
Senior Discount - Older drivers may receive better auto insurance rates.

It's important to note that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates it's possible to get free car insurance, you're out of luck.

For a list of insurance companies with discount auto insurance rates in Dows, click this link.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need an agent's assistance.

Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Is my cargo covered for damage or theft?
Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Additional detailed information is available at the Iowa Insurance Division website. Iowa drivers can download brochures, file complaints about an insurance agent or broker, find disaster information, and read industry bulletins.

Shop smart and save

As you shop your coverage around, it's not a good idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Lower-priced auto insurance is attainable on the web and also from your neighborhood Dows agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.