Car Insurance in Le Mars Iowa - 7 Discounts You Might be Forgetting

Having to pay for overpriced car insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparing price quotes is a smart way to lower your monthly bill. Because you have many choices, it can be hard to pick the best insurance company.

Buying car insurance in Le Mars is quite easy. If you have insurance now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Iowa drivers only need an understanding of the tricks to get comparison rates online.

Save big with these seven discounts

Auto insurance companies don't always list all available discounts very well, so we researched both the well known and also the lesser-known car insurance savings. If you don't get every credit you deserve, you're paying more than you need to.

Multi-car Discount - Insuring more than one vehicle on the same car insurance policy can get a discount on all vehicles.
Auto/Home Discount - When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Discount for Life Insurance - Larger companies have a break if you buy life insurance.
Accident Waiver - Some insurance companies allow you one accident before raising your premiums so long as you haven't had 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.
Paperless Signup - A few companies may give you up to $50 simply for signing online.

It's important to understand that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn't quite work that way.

To see a list of insurers offering car insurance discounts in Iowa, follow this link.

How to Get Cheap Car Insurance in Le Mars, IA

Finding cheaper car insurance prices is a fairly straight forward process. You just have to spend a few minutes to get quotes online with multiple companies. This can be accomplished using a couple different methods.

The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate forms for each company you want a rate for. A single, simple form compares rates from several companies.
A more time consuming way to get quotes online is going to each individual company website and complete a new quote form. For instance, let's assume you want comparison quotes from , and . To get each rate you have to go to every website and enter your information, which is why the first method is quicker.

To view a list of companies in Le Mars, click here.

It doesn't matter which method you choose, just make sure you use apples-to-apples coverage limits and deductibles on every quote. If you use different liability limits then you won't be able to make a fair comparison in Le Mars.

But I don't know anything about car insurance

When choosing the best car insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Every situation is different and a cookie cutter policy won't apply. These are some specific questions can help discover if your situation may require specific advice.

Am I covered when driving on a suspended license?
What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Iowa?
Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance ads bend the truth

Consumers in Iowa can't get away from ads for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you switch to them.

But how can every company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable customer might be over the age of 50, has no prior claims, and has great credit. Any new insured who fits that profile is entitled to the best price and most likely will save a lot of money.

Consumers who fall outside this ideal profile must pay higher rates which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "people who quote" save money. This is how insurance companies can confidently advertise the savings. This illustrates why drivers must quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

And the best car insurance company is...

Low-cost car insurance can be found both online and with local Le Mars insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

We just covered a lot of tips how to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .

Learn more about car insurance in Iowa

More tips and info about car insurance is located at the Iowa Insurance Division website. Visitors are able to report car insurance fraud, view agent and company licensing information, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include this page for Iowa car insurance and this page for help finding agents in Le Mars, IA.