Easy Techniques to Pay Less on Fonda Auto Insurance

If you've never shopped for auto insurance online, you can be overwhelmed by the large number of auto insurance companies all offering big savings in Fonda.

More discounts equal less premium

Car insurance companies don't always publicize all available discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Homeowners Savings - Owning a home in Fonda may earn you a small savings because owning a home is proof that your finances are in order.
  • Early Signing - Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
  • Fewer Miles Equal More Savings - Driving fewer miles can earn better rates on cars that stay parked.
  • Clubs and Organizations - Participating in certain professional organizations could trigger savings when buying auto insurance.
  • Defensive Driver - Completing a course in driver safety can save you 5% or more if you qualify.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it's possible to get free car insurance, you won't be that lucky.

Tips to Get Lower Fonda Rates

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

  • What are your deductibles? - Physical damage deductibles represent how much money you are willing to pay before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. The higher the amount you have to pay, the lower your rates will be.
  • Type of vehicle determines base rates - The type of car you are insuring makes a substantial difference in your rates. Low performance passenger cars generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.
  • Careful drivers pay lower rates - Only having one moving violation can bump up the cost forty percent or more. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Higher safety ratings means cheaper insurance - Cars with high safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.

It's not one size fits all

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Every insured's situation is different.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Should I have combined single limit or split liability limits?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Switch companies and save? Really?

Iowa consumers get pounded daily by advertisements for cheaper car insurance from the likes of Allstate, GEICO and Progressive. All the companies make the same claim about savings if you switch your coverage to them.

How do they all make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a profitable customer could possibly be a mature driver, a clean driving record, and has excellent credit. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile must pay higher premiums which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save that much money. That is how companies can truthfully make those claims. This illustrates why drivers should get as many comparisons as possible. It's impossible to know which company will have the lowest rates.

Even more information can be found at the Iowa Insurance Division website. Iowa consumers can report car insurance fraud, learn about specific coverages, and file complaints about a company.

Iowa auto insurance

In the end, you save

Cheaper auto insurance is available online as well as from independent agents in Fonda, and you need to price shop both to have the best chance of lowering rates. Some companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

You just read some good ideas how to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a lesser-known regional company.

Insureds switch companies for any number of reasons including lack of trust in their agent, high prices, poor customer service and even delays in responding to claim requests. It doesn't matter why you want to switch switching auto insurance companies is less work than it seems.