Top Ways to Save on Jewell Auto Insurance

Have you had enough of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other Iowa drivers.

Having so many options when it comes to auto insurance, it is very difficult to pick the lowest cost car insurance company.

It's important to compare prices once or twice a year because prices are constantly changing. If you had the lowest rates a few years ago the chances are good that you can find a lower rate today. So forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

Finding the best rates in Jewell is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Although Iowa drivers do need to know the way companies market on the web and use this information to your advantage.

Are you getting all your discounts?

Companies offering auto insurance do not list all their discounts very well, so we break down both well-publicized and the more hidden auto insurance savings.

Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Driver's Ed - Have your child complete a driver education course in high school.
Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Memberships - Participating in a professional or civic organization could qualify you for a break on auto insurance.
Drive Less and Save - Keeping the miles down can earn lower rates on the low mileage vehicles.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy online.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you won't be that lucky.

To see a list of companies with the best auto insurance discounts in Iowa, follow this link.

How to Compare Auto Insurance Costs in Jewell

Most companies provide price estimates online. This process is quite simple as you just type in the amount of coverage you want as detailed in the form. Once you submit the form, the company's rating system will obtain reports for credit and driving violations and gives you a price quote based on these factors. This streamlines rate comparisons, but the process of having to visit each company's website and repetitively enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step if you want to find the best price on auto insurance.

The preferred way to find cheaper rates uses one form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much easier to do. After sending the form, it gets priced and you are able to buy any or none of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you replicate coverages and limits as close as possible to your current policy. This makes sure you will receive comparison quotes based on the exact same insurance coverage.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" used by your company to calculate rates.

More miles equals more premium - The more you drive every year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance policy properly reflects the correct driver usage.
Too many auto insurance claims drive up costs - Car insurance companies in Iowa provide discounts to insureds who do not file claims often. If you are a frequent claim filer, you can expect higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Discounts for multiple policies - The majority of companies will give a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to verify if the discount is saving money. Consumers may find better rates by insuring with multiple companies.
Don't skimp on liability - The liability section of your policy will protect you if ever a court rules you are at fault for personal injury or accident damage. Liability provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Extra add-on coverages are wasting money - There are a lot of extra bells and whistles that you can buy on your auto insurance policy. Things like rental car reimbursement, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment at first, but now you might not need them so remove them from your policy.
Marriage pays dividends - Having a spouse actually saves money when buying auto insurance. It translates into being more responsible and it's statistically proven that drivers who are married are more cautious.
Where you reside plays a part - Being located in a rural area can be a good thing when insuring your vehicles. City drivers have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident.

How can GEICO, State Farm and Progressive save drivers who switch?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to say the same thing about savings if you move your coverage to them. But how can every company make almost identical claims?

All companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who fits that profile will get the preferred rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everybody who quotes" save that much money. That's why companies can truthfully make the claims of big savings. Because of the profiling, drivers must get a wide range of price quotes. It's impossible to know the company that will fit your personal profile best.

Do the work, save more money

As you shop your coverage around, do not reduce coverage to reduce premium. In many instances, an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate.

The cheapest auto insurance is definitely available online as well as from independent agents in Jewell, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Even more information can be found at the Iowa Insurance Division website. Iowa consumers can file complaints about an insurance agent or broker, download brochures, read consumer alerts, and find out which companies have the most complaints.

Additional helpful sites include Auto Insurance 101 and this page where you can research Jewell insurance agents.