Top Ways to Save on Glidden Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You're in the same situation as many other Iowa drivers.

Because there are so many insurance companies to choose from, it can be challenging to locate the cheapest insurance company.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Despite the fact that you may have had the lowest price last year a different company probably has better rates today. Block out anything you think you know about auto insurance because you're about to learn one of the best ways to find better coverage at a better price.

Finding affordable coverage in Glidden is easy if you know what you're doing. In a nutshell, every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. But Iowa vehicle owners do need to know how the larger insurance companies compete online because it can help you find the best coverage.

How much can you save with discounts?

Companies that sell car insurance don't always advertise all their discounts very well, so we researched some of the best known and the more hidden discounts you could be receiving.

Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with select insurance companies.
New Vehicle Savings - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Air Bag Discount - Factory air bags can receive discounts of more than 20%.
No Accidents - Claim-free drivers pay much less as compared to drivers who are more careless.
Homeowners Pay Less - Owning a house in Glidden can save you money due to the fact that maintaining a home shows financial diligence.
Clubs and Organizations - Affiliation with a professional or civic organization may earn a discount on auto insurance.
Good Students Pay Less - Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Life Insurance Discount - Select insurance companies reward you with a break if you buy life insurance.

Drivers should understand that some credits don't apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Men pay higher rates - The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, social workers and stock brokers tend to have the highest rates attributed to stressful work requirements and long work days. On the other hand, occupations like farmers, students and performers receive lower rates.
Older drivers pay less - Teenage drivers in Iowa are known to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Poor credit can mean higher rates - Credit history is a large factor in your rate calculation. If your credit is not that good, you could potentially save money when insuring your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, or theft. The deductibles are how much you are required to spend in the event of a claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.
Don't sacrifice liability coverage - Liability coverage will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
A clean driving record saves money - Your driving citation history has a big impact on rates. Just one citation can boost insurance rates twenty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
The more you drive the more you pay - Driving more miles every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim that you'll save big after switching to their company. But how can every company say the same thing?

Insurance companies can use profiling for the driver that earns them a profit. For instance, a desirable insured might be profiled as between the ages of 40 and 55, is a homeowner, and drives newer vehicles. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will have to pay a more expensive rate and this can result in business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's why companies can claim big savings. Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict the company that will give you the biggest savings.

Learn more today

More detailed Iowa auto insurance information is located at the Iowa Insurance Division website. Iowa drivers can learn about insurance regulations, read industry bulletins, read enforcement actions against agents and companies, and find out industry alerts.

Also read more on this Car Insurance FAQ and this page of insurance agents in Glidden.

Shop smart and save

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate.

Throughout this article, we presented a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company. Regional companies may only write in your state and offer lower rates compared to the large companies like .