Comparing Cheap Holstein Car Insurance

Are you tired of trying to scrape together enough money each month for car insurance? Your situation is no different than the majority of other car owners in Iowa.

There is such a variety of to buy insurance from, and although it's nice to have multiple companies, so many choices can make it hard to compare rates.

Take advantage of discounts

Companies offering auto insurance don't always publicize all available discounts very clearly, so we researched some of the more common as well as the least known discounts you could be receiving.

Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with a substantially lower rate.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
Student in College - Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
One Accident Forgiven - Certain companies will forgive one accident before your rates go up so long as you haven't had any claims for a set time period.
Passive Restraint Discount - Vehicles equipped with air bags may earn rate discounts of 20% or more.
No Claims - Claim-free drivers pay much less when compared with drivers who are more careless.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren't that generous.

Are car insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies have a common claim about savings after switching your policy. How does each company make the same claim?

Insurance companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer could be between 30 and 50, has no tickets, and has great credit. A customer that hits that "sweet spot" will get very good rates and most likely will save when switching.

Consumers who don't qualify for these standards must pay higher rates and this can result in business going elsewhere. The ads say "customers that switch" not "people who quote" save that kind of money. That's why companies can truthfully advertise the savings. This illustrates why you should get as many quotes as possible. Because you never know the company that will fit your personal profile best.

More Iowa car insurance information

Even more information is located at the Iowa Insurance Division website. Consumers can find disaster information, view a list of available companies, read enforcement actions against agents and companies, and learn about insurance regulations.

Final considerations

Cheap car insurance can be bought from both online companies in addition to many Holstein insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.