5 Methods to Save on Car Insurance in Keystone

Purchasing the cheapest Keystone car insurance on the web can be rather challenging for beginners to comparing rates online. When there are so many companies in the marketplace, how can consumers effectively compare every one to find the best pricing?

It's important to do rate comparisons quite often since rates are constantly changing. Despite the fact that you may have had the best deal six months ago you can probably find a better price now. So ignore everything you know about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

More discounts equal less premium

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but some must be requested specifically before being credited. If you don't get every credit you deserve, you are paying more than you should be.

Auto/Life Discount - Some companies give a break if you buy life insurance from them.
College Student - Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Bundle and Save - If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
Driver Safety - Taking a driver safety course could cut 5% off your bill if your company offers it.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, it just doesn't work that way. But any discount will help reduce your premiums.

To choose companies who offer car insurance discounts in Iowa, click this link.

Switch companies and save? Really?

Consumers can't ignore all the ads for car insurance savings by companies like GEICO, State Farm and Progressive. They all seem to make the same claim that you can save after switching to them.

But how can every company make the same claim?

Different companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could be over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will have to pay higher prices which leads to business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save money. This is how insurance companies can state the savings.

Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

It's not one size fits all

When buying proper insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's situation is a little different.

Here are some questions about coverages that may help you determine if you may require specific advice.

When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Keystone?
What are Iowa no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What is the difference between comprehensive and collision coverage?
Should I rate my vehicle as pleasure use or commute?
What are the best liability limits?
Can I rate high risk drivers on liability-only vehicles?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, complete this form. It is quick, free and can help protect your family.

More information is available on the Iowa Insurance Division website located here. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, and find out industry alerts.

Other informative sites include Wikipedia and this page where you can research Keystone insurance agents.

And the best car insurance company is...

As you restructure your insurance plan, do not buy poor coverage just to save money. In many instances, drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Affordable car insurance can be bought from both online companies and with local Keystone insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

You just learned some good ideas how to save on car insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the lesser-known companies.