7 Tricks Guaranteed to Save Money on Car Insurance Costs in Latimer, IA

Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other Iowa consumers.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to shop coverage around before your policy renews since rates are constantly changing. If you had the best rates a few years ago you can probably find a better price now. There is a lot of bad advice regarding car insurance online, so we're going to give you some great ways to quit paying high car insurance rates.

Take advantage of discounts

Companies offering auto insurance do not advertise every available discount in a way that's easy to find, so the following is a list of both the well known as well as the least known ways to save on car insurance.

Multi-policy Discount - If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Claim Free - Claim-free drivers pay less compared to accident-prone drivers.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
Auto/Life Discount - Some companies give better rates if you take out a life insurance policy as well.
Low Mileage - Keeping the miles down could qualify for better rates on cars that stay parked.
E-sign - Certain companies may give you up to $50 just for signing your application digitally online.

Keep in mind that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears it's possible to get free car insurance, it just doesn't work that way.

To choose providers with the best car insurance discounts in Latimer, click this link.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads make the same claim that you can save if you move your coverage to them. How can each company claim to save you money?

All companies can use profiling for the type of customer that makes them money. A good example of a preferred risk might be a mature driver, is a homeowner, and has a short commute. Any new insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be charged a higher premium which leads to the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much money. That's why insurance companies can make the claims of big savings. That is why you should get a wide range of price quotes. It's just too difficult to predict the company that will fit your personal profile best.

Additional detailed information can be read at the Iowa Insurance Division website. Visitors are able to read consumer alerts, find a variety of consumer forms, read industry bulletins, and view a list of available companies.

Affordable insurance is out there

As you shop your coverage around, it's not a good idea to buy poor coverage just to save money. Too many times, an accident victim reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Affordable car insurance is definitely available both online as well as from independent agents in Latimer, and you need to price shop both to have the best rate selection. Some insurance providers don't offer online price quotes and many times these small insurance companies only sell through independent insurance agents.