Car Insurance in Greenfield - 8 Discounts You Might be Unaware of

Having to pay for overpriced car insurance can drain your bank account and make it hard to pay other bills. Comparison shopping is a great way to help make ends meet.

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

It's important to shop coverage around on a regular basis since rates are constantly changing. Even if you got the best price a few years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we're going to demonstrate the only way to lower your rates without sacrificing coverage.

Finding affordable coverage in Greenfield is not that difficult. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Although Iowa consumers do need to know how companies price online insurance and apply this information to your search.

Which Car Insurance is Cheapest in Greenfield, Iowa?

There are several ways to compare car insurance quotes, but some are easier and takes less work. You can spend your afternoon talking to insurance companies in Greenfield, or you could save time and use online quoting to get prices fast.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company can provide price quotes. This prevents consumers from doing quote forms for each company you want a rate for. To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify which providers you will receive quotes from. So if you want to choose individual companies to compare rates, we put together a list of car insurance companies in Iowa. Click here for list of insurance companies in Iowa.

However you get your quotes, ensure you are comparing identical coverage limits and deductibles for every quote you compare. If you compare different liability limits it's not possible to determine the best price in Greenfield. Slightly different coverages may result in large price differences. Just remember that comparing more company's prices helps you find the best rates.

How much can you save with these eight discounts?

Car insurance companies do not list every available discount very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving.

Good Student Discount - This discount can save 20 to 25%. This discount can apply until age 25.
Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
Low Mileage - Driving fewer miles can earn a substantially lower rate.
Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Senior Citizens - If you're over the age of 55, you may qualify for a small decrease in premiums.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

To choose providers offering car insurance discounts in Iowa, click here.

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

Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads have a common claim about savings if you switch your coverage to them. How does each company claim to save you money?

Different companies have a preferred profile for the type of customer that makes them money. For example, a preferred risk might be between 25 and 40, insures multiple vehicles, and has a short commute. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be charged higher prices and this can result in the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully make the claims of big savings. That is why you need to get as many comparisons as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

Even more information can be found at the Iowa Insurance Division website. Visitors are able to file complaints about a company, learn about insurance regulations, find out industry alerts, and view agent and company licensing information.

Other informative sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Greenfield Iowa.

The best insurance company isn't always the cheapest

We just covered a lot of techniques to compare car insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even find the most savings is with the least-expected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

The cheapest car insurance can be found both online as well as from independent agents in Greenfield, so you should compare both so you have a total pricing picture. Some insurance providers don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.