Tightwads Instructions on Saving on Graettinger Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many Graettinger consumers feeling the pinch from expensive car insurance.

Lots of contend for your business, so it can be very hard to choose a to get the lowest price

How much can you save with discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don't even know exist. Some discounts apply automatically when you get a quote, but less common discounts must be asked for before you will receive the discount.

  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Defensive Driver - Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Homeowners Discount - Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.

It's important to note that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck. But any discount will cut the amount you have to pay.

compare Graettinger car insurance rates

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

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the same claim that you can save if you switch your policy. How do they all make the same claim?

All the different companies are able to cherry pick for the right customer that earns them a profit. For example, a driver they prefer could be over the age of 50, has no tickets, and has great credit. A customer who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile will be quoted higher premiums which leads to business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can advertise the savings.

This emphasizes why you should get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.

Find out more about car insurance

More information can be found on the website for the Iowa Insurance Division through this link. Consumers can view a list of available companies, discover disciplinary actions, read consumer alerts, and report car insurance fraud.

car insurance in Graettinger

Shop smart and save

Lower-priced car insurance can be found from both online companies in addition to many Graettinger insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.