How to Know You're Throwing Money Away for Auto Insurance in Gowrie

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other drivers in Iowa. Because you have many insurance companies to choose from, it's nearly impossible to choose the cheapest provider.

It's important to do rate comparisons before your policy renews because prices are constantly changing. Despite the fact that you may have had the best deal six months ago you may be paying too much now. So just forget all the misinformation about auto insurance because you're going to get a crash course in the only way to remove unneeded coverages and save money.

Cheap Gowrie Auto Insurance Comparisons

There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You could spend your day driving to insurance companies in Gowrie, or you could save time and use the internet for quick rates.

All the larger companies take part in a program that allows shoppers to complete one form, and each participating company then returns a price quote. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you can't choose which companies you want to price. So if you prefer to pick specific providers to compare prices, we have assembled a list of auto insurance companies in Iowa. Click to view list.

It's up to you how you get prices quotes, just ensure you're using apples-to-apples coverage information on every quote you get. If you compare unequal deductibles or liability limits it's not possible to determine which rate is truly the best in Gowrie.

Iowa auto insurance quotes

Why some people pay less for insurance in Gowrie

It's important that you understand the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with lower auto insurance prices.

The following are some of the factors companies use to determine rates.

  • Rate your vehicle for proper use - Driving more miles every year the more you will pay for auto insurance. Most companies charge to insure your cars based on their usage. Autos left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Your auto insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as doctors, executives and stock brokers tend to pay the highest rates because of high stress and lengthy work days. On the other hand, occupations like farmers, students and performers have the lowest average rates.
  • Older drivers save more - Youthful 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, tend to file fewer claims and are safer drivers.
  • Cautious drivers pay less - Your driving citation history has a big impact on rates. Good drivers have lower premiums compared to drivers with tickets. Only having one speeding ticket can increase rates by twenty percent. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Men pay higher rates - The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men have accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • Your credit rating is important - Credit history is a important factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores.
  • High crash test scores lower rates - Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Little extras can really add up - There are a ton of extra bells and whistles that you can buy when buying auto insurance. Things like vanishing deductibles, towing coverage and motor club memberships may be wasting your money. These coverages may sound good when you first buy your policy, but if you don't need them remove them from your policy.

How much can you save with discounts?

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you quote, but lesser-known reductions have to be requested specifically before you get the savings. If you don't get every credit available, you're just leaving money on the table.

  • Save with a New Car - Insuring a new car can save up to 30% since new cars are generally safer.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Military Rewards - Having a family member in the military may qualify for rate reductions.

Keep in mind that most discount credits are not given to the entire cost. Most cut individual premiums such as collision or personal injury protection. Just because it seems like it's possible to get free car insurance, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

For a list of companies who offer auto insurance discounts in Iowa, click this link.

More information is available on the website for the Iowa Insurance Division located here. Visitors are able to file complaints about an insurance agent or broker, read industry bulletins, read enforcement actions against agents and companies, and file complaints about a company.

Other useful links include Auto Insurance 101 and this page where you can research Gowrie insurance agents.

And the best car insurance company is...

As you restructure your insurance plan, don't be tempted to reduce needed coverages to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.

We covered some good ideas how to lower your auto insurance rates. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from the least-expected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like .