Top 5 Ways to Save on Car Insurance in George, IA

Price shopping your George car insurance is a challenge for consumers not familiar with shopping for insurance online. People have so many choices that it can easily become a lot of work to compare prices in George.

It's important to compare prices before your policy renews since rates are constantly changing. Even if you think you had the lowest price a year ago there is a good chance you can find better rates now. There is too much inaccurate information about car insurance online, so we're going to give you some great ways to reduce your car insurance bill.

George car insurance quote

Comparison of Car Insurance in George

All major car insurance companies like Allstate and Progressive provide coverage prices online. Getting quotes is quite simple as you simply enter as detailed in the form. After the form is submitted, their rating system will obtain your driving and credit reports and returns a price based on these and other factors.

Being able to quote online helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms can be a bit repetitive. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

Quote rates the easy way

The preferred way to lower your car insurance bill is to use a quote form to return rates from several different companies. The form is fast, eliminates repetitive work, and makes online quotes a little more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If you find a better price it's easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you enter the limits and deductibles identical to your current policy. This makes sure you will have a rate comparison for the exact same coverage.

These 5 discounts can lower your rates

Companies don't always advertise every available discount very clearly, so we researched some of the more common and also the lesser-known car insurance savings.

  • Multi-policy Discount - If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • No Accidents - Claim-free drivers pay much less compared to accident-prone drivers.
  • Safety Course Discount - Completing a driver safety course could save 5% or more if your company offers it.
  • Resident Student - Children who are attending college and don't have a car can be insured at a reduced rate.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like it's possible to get free car insurance, car insurance companies aren't that generous.

To choose providers with discount car insurance rates in Iowa, follow this link.

Are you falling for claims of savings?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads say the same thing about savings if you change to their company. How does each company make the same claim? It's all in the numbers.

All companies can use profiling for the driver that makes them money. For instance, a preferred risk could be a mature driver, is a homeowner, and has excellent credit. Any new insured who fits that profile will get very good rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate which usually ends up with business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save that much. That's why companies can truthfully make those claims. That is why you need to get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

Even more information is located at the Iowa Insurance Division website. Consumers can read consumer alerts, read industry bulletins, and discover disciplinary actions.

The best insurance company isn't always the cheapest

While you're price shopping online, it's very important that you do not reduce coverage to reduce premium. Too many times, an accident victim reduced collision coverage and learned later they didn't purchase enough coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Consumers leave their current company for a variety of reasons including policy non-renewal, high rates after DUI convictions, delays in responding to claim requests or even not issuing a premium refund. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.

Cheap car insurance is attainable from both online companies and also from your neighborhood George agents, and you need to price shop both to have the best rate selection. Some companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.