Comparing Cheap Keokuk Auto Insurance

Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than many other drivers in Iowa. You have multiple to pick from, and though it is a good thing to be able to choose, having more makes it harder to compare rates.

Buying car insurance in Keokuk is not that difficult. If you have a policy now or are shopping for new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Iowa consumers only need to know the proper methods to get comparison rates on the web.

Why some people pay less for insurance in Keokuk

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Too many auto insurance claims drive up costs - Companies in Iowa provide lower rates to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is designed for major claims that would cause financial hardship.
  • Your stress level may be raising your rates - Careers like real estate brokers, architects and financial analysts tend to pay higher average rates because of high stress levels and lengthy work days. Conversely, professions such as farmers, engineers and retirees have the lowest average rates.
  • Little extras can really add up - There are quite a few extra bells and whistles that can waste your money on your auto insurance policy. Coverages for roadside assistance, accident forgiveness and motor club memberships are examples of these. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate them to save money.
  • Pleasure use saves money - The higher the mileage driven every year the higher your rate. Most companies apply a rate based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle.
  • Bundling policies can get discounts - Some companies provide better rates to customers who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Don't skimp on liability - Your policy's liability coverage will protect you when a court rules you are at fault for damages from an accident. It will provide you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Marriage brings a discount - Getting married helps lower the price when buying auto insurance. Having a significant other is viewed as being more responsible and it's proven that drivers who are married are more cautious.
  • With age comes lower rates - Teen drivers in Iowa have a tendency to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.

compare Keokuk auto insurance rates

Save big with these discounts

Companies offering auto insurance don't always publicize every discount very clearly, so the following is a list of both well-publicized as well as the least known auto insurance savings. If you're not getting every credit available, you are paying more than you should be.

  • Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
  • Accident Free - Claim-free drivers pay less when compared to accident-prone drivers.
  • Safety Course Discount - Completing a course in driver safety could save 5% or more if your company offers it.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Organization Discounts - Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.
  • Low Mileage Discounts - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, you won't be that lucky.

To choose insurance companies with discount auto insurance rates in Iowa, follow this link.

Auto insurance ads bend the truth

Iowa consumers can't ignore all the ads for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. They all say the same thing about savings if you change to them.

How does each company make almost identical claims?

All companies can use profiling for the type of driver that makes them money. A good example of a driver they prefer could possibly be between 30 and 50, is a homeowner, and has great credit. A driver who fits that profile is entitled to the best price and most likely will save when switching.

Consumers who fall outside these standards will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "people who quote" save money. That's why companies can truthfully advertise the savings. This emphasizes why you should get a wide range of price quotes. It is impossible to predict the company that will give you the biggest savings.

Even more information can be read at the Iowa Insurance Division website. Iowa consumers can download brochures, read industry bulletins, discover disciplinary actions, and file complaints about an insurance agent or broker.

Other informative sites include this site for auto insurance rates in Iowa and this list of insurance agents in Keokuk, IA.

A tidy conclusion

The cheapest auto insurance is attainable online and with local Keokuk insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these small insurance companies work with independent agents.

As you prepare to switch companies, make sure you don't buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.