Free Guide to Saving Money on Glenwood Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are lots of people in the same boat.

You have so many to pick from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around every six months because prices are constantly changing. Just because you found the lowest price last year the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate how to use online quotes to get good coverage at a lower rate.

Buying car insurance in Glenwood is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Nevertheless, Iowa consumers do need to know the way insurance companies sell online because it can help you find the best coverage.

Save big with these discounts

Car insurance companies don't always advertise every available discount very clearly, so we researched both the well known as well as the least known auto insurance savings.

Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
No Charge for an Accident - Certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
Discount for Life Insurance - Larger companies have a discount if you purchase life insurance.
E-sign - A few companies may give you up to $50 simply for signing over the internet.
Low Mileage - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
Claim Free - Drivers with accident-free driving histories pay much less compared to bad drivers.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

To see a list of providers who offer auto insurance discounts in Iowa, follow this link.

How to Compare Auto Insurance Quotes in Glenwood, Iowa

There are several ways of comparing rates from auto insurance companies in your area. The best method to compare insurance prices is to use the internet to compare rates. This can be done in a couple of different ways.

The best way to find low rates is to use a rate comparison form click here to open form in new window. This method eliminates the need for separate forms for each company you want a rate for. Filling out one form gets you price quotes from several companies.
A slightly less efficient method to get quotes online requires visiting each company website to complete their respective quote request forms. For sake of this example, let's say you want to compare rates from , and . To get each rate you have to spend time on each company's site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Glenwood, click here.

Whichever way you use, ensure you are comparing identical quote information on every quote you get. If you enter mixed coverages it will be impossible to determine which rate is truly the best in Glenwood. Just a small difference in coverage limits may result in large price differences. Just remember that comparing more company's prices helps you find the best offered rates.

Tips to Get Lower Glenwood Rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate your rates.

Cautious drivers pay less - Your driving record has a lot to do with how much you pay for insurance. Drivers who don't get tickets have lower premiums compared to drivers with tickets. Just one citation can bump up the cost forty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to keep their license.
Protect your assets with liability insurance - Liability coverage provides coverage in the event that you are found liable for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
Marriage pays dividends - Having a wife or husband can get you a discount when buying auto insurance. Marriage translates into being more mature and responsible and it's proven that being married results in fewer claims.
Pleasure use saves money - Driving more miles in a year the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. Double check that your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Safe vehicles cost less to insure - Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, architects and financial analysts have higher average rates because of job stress and long work days. Conversely, professions such as actors, engineers and performers get better rates.

Auto insurance ads bend the truth

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads say the same thing of big savings after switching your coverage to them. How does each company claim to save you money?

Insurance companies are able to cherry pick for the type of customer that is profitable for them. For instance, a preferred risk might be a mature driver, has no driving citations, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will be charged a higher premium which usually ends up with the customer not buying. The ad wording is "customers that switch" not "people who quote" save that much money. That's the way insurance companies can confidently advertise the savings. That is why drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Do the work, save more money

We covered many ways to compare auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even find the best price on auto insurance is with a small local company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like .

Cost effective auto insurance can be sourced both online as well as from independent agents in Glenwood, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Learn more about Iowa auto insurance

More tips and info about auto insurance is located at the Iowa Insurance Division website. Visitors are able to file complaints about a company, find out which companies have the most complaints, get help finding coverage, and file complaints about an insurance agent or broker.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Glenwood Iowa.