Tightwads Guide for Saving on Kanawha Auto Insurance

Expensive auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is free and is an excellent way to help make ends meet.

Online insurance companies like GEICO and Progressive increase brand awareness with fancy advertisements and it is difficult to sift through the bull and find the best price available.

It's important to get comparison quotes yearly because prices are constantly changing. If you had the lowest rates last year you can probably find a lower rate today. So ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to save on auto insurance.

How to Get Cheap Auto Insurance in Kanawha, IA

Shopping for lower auto insurance rates can be challenging if you aren't aware of the fastest way to get free quotes. You can spend countless hours talking to insurance agencies in Kanawha, or you could save time and use the web to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is you are unable to specify the providers you want pricing from. If you wish to select individual companies to compare, we put together a list of auto insurance companies in Iowa. View list of Iowa insurance companies.

It doesn't matter which method you choose, just make sure you use exactly the same deductibles and coverage limits on every quote. If each company quotes different values for each quote it's not possible to make a fair comparison in Kanawha. Having just a slight variation in coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting better pricing.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so we break down both well-publicized as well as the least known ways to save on auto insurance.

  • Accident Waiver - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • No Claims - Drivers who don't have accidents can save substantially as compared to bad drivers.
  • Memberships - Participating in a civic or occupational organization could trigger savings on auto insurance.
  • Defensive Driving Course - Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

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

How do I know if I need professional advice?

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover whether or not you would benefit from professional advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I qualify for additional discounts?
  • Are rental cars covered under my policy?
  • When does my teenage driver need to be added to my policy?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be found at the Iowa Insurance Division website. Iowa consumers can get help finding coverage, file complaints about an insurance agent or broker, download brochures, and read industry bulletins.