Free Guide to Cutting Costs on Eldridge Auto Insurance Online

Having to pay for overpriced auto insurance can dwindle your savings account and put a big crunch on your finances. Comparison shopping is a smart way to tighten up your finances.

You have multiple to pick from, and even though it's nice to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons quite often since insurance rates are constantly changing. Just because you found the lowest rates two years ago you can probably find a lower rate today. So ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to remove unneeded coverages and save money.

Finding the best rates in Eldridge is not that difficult. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Although Iowa vehicle owners do need to know the way insurance companies sell online and use this information to your advantage.

Eldridge auto insurance comparison

Free Quotes for Auto Insurance in Eldridge, Iowa

Most companies like Progressive, GEICO, Allstate and State Farm provide pricing directly from their websites. Getting online quotes is pretty easy as you just type in your coverage information as detailed in the form. When the form is submitted, their system will obtain information on your driving record and credit history and generates pricing information based on many factors. This makes comparing rates easy, but the time it takes to visit different websites and complete many quote forms can be a bit repetitive. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

A quicker way to locate the lowest prices requires only one form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable and efficient. As soon as the form is sent, it gets priced and you can select any one of the quotes returned. If a lower price is quoted, you simply finish the application and buy the policy. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and input your coverage information. To compare your current rates, we recommend that you enter deductibles and limits as close as possible to your current policy. This ensures you will have an apples-to-apples comparison for similar insurance coverage.

These discounts can lower your rates

Auto insurance companies don't always advertise all their discounts very clearly, so we break down some of the best known as well as the least known auto insurance savings.

  • College Student - Children 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.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Memberships - Affiliation with a qualifying organization could qualify you for a break on auto insurance.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Sign Online - Some insurance companies give back up to $50 for buying your policy over the internet.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Iowa, follow this link.

Different people need different coverages

When choosing adequate coverage for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's situation is a little different and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you would benefit from professional advice.

  • Why does it cost so much to insure a teen driver in Eldridge?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Do I qualify for additional discounts?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in Iowa?

If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be found at the Iowa Insurance Division website. Iowa drivers can read enforcement actions against agents and companies, get help finding coverage, download brochures, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Eldridge.