Free Guide to Paying Less for Fenton Auto Insurance Online

Nobody looks forward to paying for auto insurance, particularly when the price is too high.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to price shop coverage occasionally because prices are constantly changing. If you had the best deal a few years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to lower your annual insurance bill.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Fenton is not that difficult. Although Iowa consumers do need to know how companies market on the web and take advantage of how the system works.

Policy discounts you shouldn't miss

Companies don't list all their discounts in a way that's easy to find, so here is a list both the well known and also the lesser-known auto insurance savings.

College Student - Children who live away from home without a vehicle on campus can receive lower rates.
Bundle and Save - If you have multiple policies with one company you may earn approximately 10% to 15%.
No Claims - Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Homeowners Savings - Owning a house in Fenton may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
Clubs and Organizations - Being a member of a civic or occupational organization could qualify you for a break on auto insurance.
Military Discounts - Having a deployed family member can result in better rates.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. For example, these questions might point out whether your personal situation would benefit from an agent's advice.

What are Iowa no-fault laws?
Am I covered when driving in Canada or Mexico?
What companies insure drivers after a DUI or DWI?
What can I do if my company won't pay a claim?
Does my policy cover my teen driver if they drive my company car?
Do I have any recourse if my insurance company denies a claim?
Do I qualify for additional discounts?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed 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.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to say the same thing about savings if you move your policy. How can each company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the right customer that earns them a profit. An example of a desirable insured might be between 25 and 40, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do. Because of the profiling, you should compare many company's rates. It's impossible to know which company will provide you with the cheapest rates.

For more Iowa car insurance information

Even more information is available at the Iowa Insurance Division website. Visitors are able to read enforcement actions against agents and companies, read consumer alerts, read industry bulletins, and view a list of available companies.

The best insurance company isn't always the cheapest

When shopping online for auto insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price.

The cheapest auto insurance is definitely available both online in addition to many Fenton insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.