Missouri Valley Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the sheer number of car insurance options in Missouri Valley? You're not the only one! Drivers have so many choices that it can turn into a real challenge to compare prices.

How much can you save with discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don't even know exist. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount.

Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.
Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Clubs and Organizations - Being a member of certain professional organizations is a good way to get lower rates when buying car insurance.

A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in big savings.

Safer occupants lowers premiums - Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you.
Do you need the policy add-ons? - There are many extra coverages that you can get tricked into buying when buying car insurance. Coverages like vanishing deductibles, accidental death and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so get rid of them and save.
Multiple policies with one company can save - Most insurers will award you with lower prices to insureds who have multiple policies with them. It's known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you're getting this discount you may still want to compare other company rates to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
Adjust deductibles and save - Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Coverage for physical damage, 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, collision with an animal, or theft. The higher the amount you have to pay, the less your car insurance will be.
Older drivers pay less - Older insureds are more responsible, file fewer claims and are safer drivers. Youthful drivers are statistically proven to be more careless when behind the wheel therefore car insurance rates are much higher.
Liability coverage is cheap - Liability insurance provides coverage if you are found liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Theft deterrents lower rates - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.

Save 15 percent in 15 minutes? Is it for real?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make an identical promise about savings if you switch your coverage to them. How do they all claim to save you money?

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer might be between 30 and 50, has no tickets, and drives newer vehicles. Any driver who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile must pay higher premiums and ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully claim big savings.

This illustrates why drivers should compare as many rates as you can. You cannot predict which car insurance company will give you the biggest savings.

Find out more about car insurance

Additional information can be found on the Iowa Insurance Division website through this link. Visitors are able to find disaster information, discover disciplinary actions, and read consumer alerts.

Affordable insurance is out there

Cheaper car insurance can be found both online as well as from independent agents in Missouri Valley, so compare prices from both to have the best chance of lowering rates. A few companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, never skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

People switch companies for many reasons like delays in responding to claim requests, questionable increases in premium, policy cancellation and even lack of trust in their agent. It doesn't matter what your reason, finding the right car insurance provider is less work than it seems.