How to Know You're Wasting Money for Auto Insurance in Manson

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out. Consumers have many to buy insurance from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates.

The purpose of this article is to help educate you on how to effectively get price quotes. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Iowa drivers only need an understanding of the most efficient way to shop their coverage around over the internet.

More discounts equal less premium

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings. If you're not getting every credit possible, you are throwing money away.

  • Fewer Miles Equal More Savings - Fewer annual miles can earn discounted rates on garaged vehicles.
  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
  • Paperless Signup - Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.

Consumers should know that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, companies don't profit that way. Any qualifying discounts will bring down your premiums.

auto insurance in Manson

Switch companies and save? Really?

Iowa consumers get pounded daily by advertisements that promise big savings by 21st Century, Allstate and State Farm. All the companies make an identical promise of big savings after switching to their company.

How does each company make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer could possibly be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards must pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently advertise the way they do.

This illustrates why you should get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Additional auto insurance information can be found on the website for the Iowa Insurance Division through this link. Iowa consumers can find disaster information, find out which companies have the most complaints, get help finding coverage, and report car insurance fraud.

In the end, you save

Cost effective auto insurance can be sourced online and also from your neighborhood Manson agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.