Find Cheaper Marshalltown Auto Insurance

Are you intimidated by the crazy number of auto insurance companies in Marshalltown? You're not alone. People have so many options that it can turn into a real challenge to find better rates.

It's important to compare prices every six months because prices are constantly changing. Even if you got the best price six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the tricks you need to know to find great coverage at a great price.

More discounts equal less premium

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you purchase, but less common discounts must be requested specifically before being credited.

  • Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
  • Multiple Vehicles - Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Life Insurance Discount - Some companies give lower rates if you buy a life insurance policy as well.
  • Sign Online - Certain companies may give you up to $50 just for signing your application on their website.
  • No Charge for an Accident - A few companies permit an accident before raising your premiums as long as you don't have any claims prior to the accident.

Keep in mind that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, it just doesn't work that way. But any discount will cut your premiums.

To see a list of companies who offer auto insurance discounts in Marshalltown, click here.

Marshalltown auto insurance comparison

Compare Quotes for Marshalltown Auto Insurance

Most companies such as Progressive, GEICO, Allstate and State Farm allow you to get price estimates online. This process is quite simple as you just type in the coverages you want into the quote form. Once you submit the form, the system will obtain your credit score and driving record and quotes a price.

Quoting online streamlines rate comparisons, but having to visit each company's website and repetitively fill out multiple forms gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

There is a better way!

The preferred way to lower your rates uses one form that gets price quotes from more than one company. It's a real time-saver, reduces the work, and makes online price comparison a lot less work. Once the form is submitted, it is rated and you can select any of the price quotes you receive.

If the quotes result in lower rates, it's easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

To find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you replicate your coverages as shown on your current policy. This makes sure you're receiving comparison quotes based on the exact same insurance coverage.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • Mature drivers pay less - Older insureds are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage caused by hail, and burglary. The deductibles are how much you are required to spend before a claim is paid by your company. The higher the amount you have to pay, the less your auto insurance will be.
  • More miles equals more premium - Driving more miles in a year the more you will pay for auto insurance. Almost all companies charge to insure your cars based on their usage. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage is showing the proper vehicle usage.
  • Do you have enough liability coverage? - Liability coverage provides coverage if ever you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Being married is a good thing - Having a spouse can get you a discount on auto insurance. It translates into being more mature and it's statistically proven that being married results in fewer claims.
  • Do men or women drive better? - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.

Switch companies and save? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim that you can save after switching your coverage to them. How do they all claim to save you money?

All companies are able to cherry pick for the type of customer that is profitable for them. For example, a desirable insured might be between 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and therefore will cut their rates substantially.

Consumers who do not match the "perfect" profile will have to pay higher prices and this can result in the customer not buying. The ads say "people who switch" not "everyone that quotes" save that much money. That's the way insurance companies can state the savings.

Because of the profiling, drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will have the lowest rates.

Final considerations

As you restructure your insurance plan, never reduce coverage to reduce premium. There are many occasions where someone sacrificed physical damage coverage only to discover later that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate.

Affordable auto insurance can be purchased both online as well as from independent agents in Marshalltown, so compare prices from 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 regional insurance providers sell through independent agents.

We covered a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best prices are with a company that doesn't do a lot of advertising.

More information can be found on the Iowa Insurance Division website through this link. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.