How to Find Cheap Dyersville Car Insurance

Beginners to shopping for insurance online will discover finding the lowest-priced Dyersville car insurance to be a formidable task.

It's important to do rate comparisons occasionally because rates are constantly changing. Even if you got the best price six months ago you can probably find a better price now. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

Why some people pay less for insurance in Dyersville

Consumers need to have an understanding of the rating factors that help determine your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

The following are a few of the "ingredients" companies use to determine rates.

  • Big city or small town - Living in a small town can be a good thing when it comes to car insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Fewer people means fewer accidents.
  • Your credit rating is important - Credit history is a big factor in determining your rates. If your credit rating is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • How's your driving record? - Good drivers get better rates compared to drivers with tickets. Only having one moving violation can increase rates twenty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • With age comes lower rates - Young drivers in Iowa are known to be more careless behind the wheel so they pay higher car insurance rates. If you've ever had to add a youthful driver to your policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.

Iowa car insurance quotes

These discounts can lower your rates

Companies offering auto insurance don't always advertise all their discounts very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance. If you're not getting every credit you qualify for, you are paying more than you should be.

  • Bundle and Save - If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiration. It's a savings of about 10%.
  • College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, car insurance companies aren't that generous.

To choose companies who offer car insurance discounts in Iowa, click this link.

Are you falling for claims of savings?

Consumers can't ignore all the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to make the same claim about savings after switching to them.

How does each company make the same claim? It's all in the numbers.

Different companies have a certain "appetite" for the type of driver that makes them money. For example, a desirable insured could be between 25 and 40, owns a home, and has a high credit rating. A customer who matches those parameters gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a higher premium which leads to business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save money. That is how companies can truthfully state the savings. Because of the profiling, you should get as many quotes as possible. Because you never know which company will have the lowest rates.

Different people need different coverages

When buying the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Every situation is different.

For instance, these questions might point out whether you would benefit from an agent's advice.

  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Do I need PIP (personal injury protection) coverage in Iowa?
  • What are Iowa no-fault laws?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don't have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Even more information can be found at the Iowa Insurance Division website. Consumers can view agent and company licensing information, find out industry alerts, and file complaints about a company.

Other informative sites include Wikipedia and this Dyersville agent directory.

Dyersville car insurance quote

A tidy conclusion

As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. In many instances, an insured cut physical damage coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best price.

We just showed you many ideas to save on car insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the smallest insurance companies.

Cheap car insurance can be purchased from both online companies and with local Dyersville insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.