Tightwads Tips for Saving on Merrill Car Insurance

Tired of scraping the payment together each month for car insurance? Your situation is no different than millions of other consumers.

There are many to buy insurance from, and even though it's nice to have a choice, it makes it harder to compare rates.

It's important to check car insurance prices once or twice a year due to the fact that insurance rates are constantly changing. Even if you think you had the best price a few years ago there may be better deals available now. Ignore everything you know about car insurance because we're going to demonstrate how to quote online to properly buy coverages while reducing your premium.

Finding affordable coverage in Merrill is easy if you know what you're doing. If you currently have car insurance, you will be able to lower your premiums substantially using this information. But Iowa consumers do need to know the way companies market insurance on the web and apply this information to your search.

Policy discounts you shouldn't miss

Car insurance companies don't list all their discounts very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving.

  • Homeowners Pay Less - Owning a house in Merrill can save you money because maintaining a house is proof that your finances are in order.
  • Drivers Education - Require your teen driver to complete a driver education course if offered at their school.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Save with a New Car - Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Passive Restraints - Factory air bags may earn rate discounts of more than 20%.
  • Accident Free - Claim-free drivers can save substantially as compared to frequent claim filers.
  • Safety Course Discount - Taking a defensive driving course could save 5% or more depending on where you live.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.

Consumers should know that some credits don't apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don't profit that way.

For a list of companies with discount car insurance rates in Iowa, click here.

How to Compare Car Insurance Costs in Merrill

The are a couple different ways of comparing rates and find the best price. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways to get quotes is a comparison rater form click to view form in new window. This type of form saves time by eliminating separate quotes for each company. Taking the time to complete one form will get you price quotes instantly.

A slightly less efficient method to shop for car insurance online requires a visit to each individual company website to complete a price quote. For instance, let's say you want rates from , and . You would have to go to every website to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in Merrill, click here.

Whichever method you choose, double check that you are using identical coverage limits with each company. If you are comparing differing limits you can't possibly make an equal comparison in Merrill. Slightly different insurance coverages can make a big difference in price. It's important to know that quoting more helps locate better pricing.

Shop smart and save

Discount car insurance is attainable both online and with local Merrill insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, never sacrifice coverage to reduce premiums. In many cases, an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best price.