Free Guide to Spending Less for Massena Car Insurance Online

Expensive car insurance can overdraw your personal savings and force you to make sacrifices. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. There are many to pick from, and although it's a good thing to have a selection, it makes it harder to compare rates.

Don't pay full price with these discounts

Companies don't list all available discounts very clearly, so we researched both the well known and the more hidden car insurance savings. If you're not getting every credit you deserve, you're paying more than you need to.

  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Own a Home - Owning a home in Massena may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren't that generous.

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

Which Car Insurance is Cheapest in Massena, Iowa?

There are multiple methods to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in Massena, or you can utilize online quoting to get prices fast.

Many insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company returns a rated price for coverage. This eliminates the need for quotation requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you cannot specify which carriers you want pricing from. So if you want to choose specific insurance companies to compare rates, we put together a list of low cost car insurance companies in Iowa. View list of Iowa insurance companies.

It doesn't matter which method you choose, just ensure you are comparing identical deductibles and coverage limits on every quote you get. If you use different values for each quote it will be next to impossible to determine which rate is truly the best in Massena.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Liability coverage protects you - The liability section of your policy is the protection if you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Your spouse saves you money - Having a wife or husband actually saves money when buying car insurance. Having a spouse is viewed as being more responsible and it's statistically proven that married drivers get in fewer accidents.
  • Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Big city or small town - Residing in less populated areas is a positive aspect when talking about car insurance. City drivers have more traffic problems and a longer drive to work. Fewer drivers means fewer accidents as well as less vandalism and auto theft.
  • Mature drivers pay less - Youthful drivers in Iowa tend to get distracted easily when driving so they pay higher car insurance rates. If you've ever had to add a teen driver to your policy can be quite pricey. More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.
  • Bad driving skills means higher rates - Good drivers receive lower rates than people who have multiple driving citations. Just one moving violation can increase rates by as much as thirty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.

The car insurance bait and switch

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 about savings if you move to them.

How does each company claim to save you money?

All the different companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable customer might be between 25 and 40, insures multiple vehicles, and has great credit. Any driver who fits that profile is entitled to the best price and therefore will save when switching.

Drivers who don't measure up to these standards must pay a higher premium which usually ends up with the customer not buying. The ads state "people who switch" not "everyone that quotes" save money. This is how companies can truthfully advertise the savings. This illustrates why drivers must get a wide range of price quotes. You cannot predict which insurance companies will fit your personal profile best.

And the best car insurance company is...

Cheap car insurance is possible both online and with local Massena insurance agents, so you should compare both to have the best selection. 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.

When you buy insurance online, make sure you don't reduce coverage to reduce premium. In too many instances, drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

For more Iowa car insurance information

Even more information is located at the Iowa Insurance Division website. Visitors are able to find out which companies have the most complaints, get help finding coverage, view a list of available companies, and view agent and company licensing information.

Additional helpful sites include this link for Iowa car insurance quotes and this page for help finding agents in Massena, IA.