Consumer Tested Strategies to Save on Earling Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say many Earling consumers feel financially strained by their car insurance policy. Because you have many choices of insurance companies, it's nearly impossible to find the lowest cost car insurance company.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that could result in much lower annual insurance costs.

Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Do you have enough liability coverage? - The liability section of your policy provides coverage if you are found liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
Keep rates low by being claim-free - If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in Iowa award discounts to drivers who are claim-free. Your insurance policy is intended for the large, substantial claims.
Discounts for multiple policies - The majority of insurers will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to ensure the best deal. Consumers may find a better deal by splitting coverages up.
With age comes lower rates - Youthful drivers in Iowa tend to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents and get fewer tickets.
Pay less if you're married - Having a spouse actually saves money on your policy. Having a spouse means you're more mature it has been statistically shown that being married results in fewer claims.

These discounts can lower your rates

Companies don't always list all available discounts very well, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you don't get every credit possible, you are paying more than you should be.

Fewer Miles Equal More Savings - Keeping the miles down can earn discounted rates on garaged vehicles.
Organization Discounts - Being a member of a professional or civic organization is a good way to get lower rates when buying car insurance.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off depending on your company.
Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
Student in College - Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.

Keep in mind that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it just doesn't work that way.

To choose insurers with the best car insurance discounts in Iowa, click here to view.

Are you falling for claims of savings?

Consumers in Iowa can't ignore all the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you move to their company.

But how can every company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the driver that makes them money. For example, a profitable customer might be over the age of 50, has no driving citations, and has a short commute. Any driver who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile must pay a higher premium and ends up with the customer not buying. The ads state "drivers who switch" not "everybody who quotes" save that much. That's the way insurance companies can make the claims of big savings. This illustrates why you should get a wide range of price quotes. You cannot predict which car insurance company will fit your personal profile best.

Learn more about Iowa car insurance

Additional detailed information can be found at the Iowa Insurance Division website. Visitors are able to find disaster information, find out which companies have the most complaints, download brochures, and read consumer alerts.

Other informative sites include this resource for Iowa car insurance prices and this page of Earling insurance agents.

A tidy conclusion

Affordable car insurance is definitely available both online and also from your neighborhood Earling agents, and you should be comparing both to have the best selection. Some insurance providers may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.