Tightwads Tips for Saving on Keosauqua Auto Insurance

Expensive auto insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is a smart way to cut your insurance bill. You have so many to buy insurance from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around on a regular basis because insurance rates are constantly changing. Just because you had the lowest price two years ago the chances are good that you can find a lower rate today. There is too much inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to save money.

How much can you save with discounts?

Auto insurance companies do not list all their discounts very clearly, so we researched both well-publicized and also the lesser-known auto insurance savings. If you're not getting every credit you deserve, you're paying more than you need to.

College Student - Children who are attending college and do not have a car can receive lower rates.
Accident Waiver - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
Good Student Discount - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
Save over 55 - Mature drivers may qualify for a small decrease in premiums.
Drive Less and Save - Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
Defensive Driver - Successfully completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren't that generous.

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

Which Auto Insurance is Cheapest in Keosauqua, Iowa?

Comparing auto insurance rates is a ton of work if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Keosauqua, or you could use the web to quickly compare rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company then gives them pricing for coverage. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The single downside to getting quotes like this is you are unable to specify which carriers to receive prices from. So if you want to choose from a list of companies to compare, we put together a list of companies who write auto insurance in Iowa. Click here for list of insurance companies in Iowa.

Whichever way you use, ensure you are comparing identical coverages and limits for each comparison quote. If you use different deductibles you can't possibly determine the lowest rate in Keosauqua.

Tips to Get Lower Keosauqua Rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Mature drivers pay less - Teen drivers in Iowa are statistically proven to be more careless when driving so they pay higher auto insurance rates. If you've ever had to add a teen driver onto a policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Traffic violations increase rates - Just one citation can bump up the cost by as much as thirty percent. Drivers who don't get tickets get better rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Safer cars cost less to insure - Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates.
Please use or commuting - The more miles you rack up on your car in a year's time the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Extra add-on coverages are wasting money - There are many add-on coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.

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

Iowa consumers can't get away from ads for car insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you switch your coverage to them.

How does each company make almost identical claims? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a desirable insured could possibly be a mature driver, insures multiple vehicles, and chooses high deductibles. A driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully state the savings. Because of the profiling, drivers must quote coverage with many companies. It is impossible to predict which insurance companies will give you the biggest savings.

And the best car insurance company is...

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price.

Cheap auto insurance is available online as well as from independent agents in Keosauqua, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don't offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ways to compare auto insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like .

For more Iowa auto insurance information

Even more information is located at the Iowa Insurance Division website. Iowa consumers can read enforcement actions against agents and companies, learn about insurance regulations, file complaints about a company, and find disaster information.