Getting Cheap Dumont Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you're not the only one.

You have so many to buy insurance from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months due to the fact that insurance rates are constantly changing. Just because you found the best price a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because we're going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

This article will help educate you on how to effectively get price quotes. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. But Iowa consumers do need to know the way companies sell online and apply this information to your search.

Save big with these discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings.

  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break on your policy.
  • Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Resident Student - Children who attend school more than 100 miles from home and don't have a car may qualify for this discount.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with certain companies.
  • No Charge for an Accident - Certain companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.

Drivers should understand that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

Iowa car insurance

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

Shown below are a few of the "ingredients" that factor into your rates.

  • Bad driving skills means higher rates - Your driving record has a lot to do with how much you pay for insurance. Drivers with clean records get better rates than their less careful counterparts. Just one ticket may increase your cost forty percent or more. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Don't sacrifice liability coverage - Your policy's liability coverage provides coverage in the event that you are found liable for damages caused by your negligence. It will provide for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, damage caused by hail, and windstorm damage. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the less your car insurance will be.
  • Older drivers pay less - Youthful drivers in Iowa have a tendency to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Males pay more for insurance - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Women and men tend to get into accidents in similar percentages, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
  • Too many car insurance claims drive up costs - If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies in Iowa provide lower rates to people who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.

Car insurance ads bend the truth

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads say the same thing that you'll save big if you change your policy. How does each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any driver who fits that profile receives the best rates and most likely will save when switching.

Potential customers who fall outside these standards will be charged a more expensive rate which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "people who quote" save that kind of money. That's the way companies can advertise the way they do.

That is why drivers should get quotes from several different companies. You cannot predict which car insurance company will provide you with the cheapest rates.

Much more information about car insurance in Iowa can be found on the website for the Iowa Insurance Division found here. Visitors are able to file complaints about a company, find out which companies have the most complaints, report car insurance fraud, and read enforcement actions against agents and companies.

Affordable insurance is out there

We just presented a lot of information how to reduce car insurance prices online. It's most important to understand that the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than their larger competitors like .

Budget-conscious car insurance can be sourced both online in addition to many Dumont insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for car insurance, it's very important that you do not skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.