Top Ways to Save on Durant Auto Insurance

No one in their right mind likes paying for auto insurance, in particular when their premiums are through the roof. Multiple compete for your business, and it can be difficult to compare rates to find the absolute lowest rate

It's important to check auto insurance prices periodically because insurance rates are constantly changing. If you had the lowest rates last year you may be paying too much now. So forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to save money, get proper coverage and the best rates.

Durant Auto Insurance Comparisons

Getting better auto insurance pricing is actually quite simple. You just have to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate forms for every auto insurance company. Just one form gets you coverage quotes from several companies.

A less efficient way to get quotes online consists of going to each individual company website and complete a new quote form. For examples sake, we'll assume you want to compare , and . To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Durant, click here.

The most time-consuming method of comparing rate quotes is to spend your day driving to local Durant insurance agencies. The internet makes this process obsolete unless you want the trained guidance of a local Durant agent. It is possible to compare the best prices online and still use a local agent.

Whichever method you choose, be sure to compare the exact same coverages on every quote. If the quotes have different limits and deductibles on each one you can't possibly make a fair comparison in Durant.

What determines how much you pay?

It's important that you understand the factors that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

  • Men fork out a little more - Statistics show that men are more aggressive behind the wheel. However, don't assume that women are better drivers. Women and men tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • Better credit means lower rates - Credit rating is a big factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit history can use some improvement, you could be paying less to insure your by repairing your credit.
  • Rates may be higher depending on your occupation - Jobs such as lawyers, social workers and accountants tend to pay higher rates than average due to high stress levels and lengthy work days. On the flip side, professions such as scientists, athletes and the unemployed have the lowest average rates.
  • Drive a safer car and pay less - Cars with high safety ratings get lower rates. These vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you.

Save big with these discounts

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked for before they will apply. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Accident Forgiveness - A few companies allow you one accident without raising rates as long as you don't have any claims prior to the accident.
  • Passive Restraints - Factory air bags or motorized seat belts can get savings of 20% or more.
  • Accident Free - Good drivers with no accidents can save substantially as compared to frequent claim filers.
  • Drive Less and Save - Keeping the miles down can earn a substantially lower rate.
  • Defensive Driving Course - Completing a course in driver safety can save you 5% or more depending on where you live.
  • Good Student - Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.

As a disclaimer on discounts, some credits don't apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

For a list of companies with the best auto insurance discounts in Durant, click here.

But I don't know anything about car insurance

When it comes to choosing adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions may help highlight if your situation will benefit from professional help.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Should I have combined single limit or split liability limits?
  • Should I buy only the required Iowa minimum liability coverage?

If you can't answer these questions, you might consider talking to an 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. It's fast, free and you can get the answers you need.

Additional information can be found on the website for the Iowa Insurance Division found here. Iowa consumers can learn about insurance regulations, find out industry alerts, read industry bulletins, and find disaster information.

Iowa auto insurance

And the best car insurance company is...

Cheap auto insurance is definitely available online and with local Durant insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

In this article, we presented a lot of ways to lower your auto insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a small mutual company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like .