7 Ways You Can Buy Car Insurance for Less in Fairfield Iowa

Have you had enough of not being able to afford each month for car insurance? You're in the same situation as the majority of other car owners in Iowa. With so many choices, it's nearly impossible to locate the cheapest company.

The purpose of this post is to let you in on the best way to quote coverages. If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Iowa vehicle owners just need to know how to get comparison rates over the internet.

Save big with these seven discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Most are applied when you quote, but less common discounts must be asked about before you get the savings. If you don't get every credit available, you are throwing money away.

  • Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • No Claims - Claim-free drivers pay much less when compared to drivers who are more careless.
  • One Accident Forgiven - Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Save with a New Car - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Distant Student - Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.

Consumers should know that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will help reduce your overall premium however.

Car insurance ads bend the truth

Consumers in Iowa get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all make the same claim that you'll save big after switching your policy.

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

All the different companies can use profiling for the right customer that earns them a profit. For instance, a driver they prefer might be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be quoted a higher premium which leads to the customer not buying. The ad wording is "drivers who switch" not "people who quote" save that kind of money. That's why companies can advertise the way they do.

This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

Learn more today

Much more information about car insurance in Iowa is located on the website for the Iowa Insurance Division. Click here for link. Visitors are able to find a variety of consumer forms, read industry bulletins, learn about insurance regulations, and file complaints about a company.

Also read more on this site for car insurance information in Iowa and this list of agents in Fairfield, IA.

A tidy conclusion

Discount car insurance can be sourced both online in addition to many Fairfield insurance agents, and you need to comparison shop both to have the best selection. Some car insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.