Top Ways to Save on Exira Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

With so many different company options, it's difficult to locate the lowest cost insurance company.

It's important to shop coverage around yearly since insurance rates are constantly changing. If you had the best price last year you will most likely find a better rate today. Forget all the misinformation about auto insurance because you're about to learn the fastest and easiest way to find the best coverage while lowering your premiums.

Policy discounts you shouldn't miss

Companies don't always publicize all their discounts very well, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving.

Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance from them.
New Vehicle Savings - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Passive Restraints and Air Bags - Factory air bags or automatic seat belts can receive discounts of 20% or more.
Claim Free - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.
Drive Less and Save - Keeping the miles down can earn a substantially lower rate.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, you won't be that lucky.

Insurance agents can help

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's situation is unique and your policy should reflect that. For example, these questions can help discover whether your personal situation could use an agent's help.

When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?
Are there companies who specialize in insuring high-risk drivers?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?

If you can't answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save $429 a year? Really?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to have a common claim about savings if you move your coverage to them. But how can every company say the same thing? This is how they do it.

Different companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured might be profiled as over the age of 40, has no prior claims, and drives newer vehicles. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher prices and this can result in business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully claim big savings. Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which insurance companies will give you the biggest savings.

Even more information can be found at the Iowa Insurance Division website. Iowa drivers can view agent and company licensing information, file complaints about an insurance agent or broker, download brochures, and find out industry alerts.

Also read more on Wikipedia and this page where you can research Exira insurance agents.

Final considerations

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest price.

Cheaper auto insurance is definitely available on the web as well as from independent agents in Exira, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.