How to Get the Cheapest Moline Auto Insurance

Shopping for low-cost Moline auto insurance over the internet is impossible for people who are new to buying insurance online. With so many choices of insurers to choose from, how can consumers possibly compare them all to find the best available rates?

Take advantage of discounts

Companies don't always advertise every discount in a way that's easy to find, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you deserve, you're paying more than you need to.

Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
Senior Discount - Mature drivers may receive a small decrease in premiums.
Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
Claim Free - Drivers who don't have accidents pay much less when compared to bad drivers.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
Multiple Cars - Insuring all your vehicles on the same auto insurance policy can get a discount on all vehicles.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren't that generous.

To see a list of insurance companies with discount auto insurance rates in Moline, click here to view.

Free Moline Auto Insurance Quotes

Finding cheaper auto insurance prices isn't really that difficult. Just invest a little time comparing rates online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for multiple quote forms for each company you want a rate for. One form will get you price quotes from multiple low-cost companies.It's the quickest way to get rates.
A less efficient way to compare rate quotes requires a visit to the website of each company to complete their respective quote request forms. For instance, we'll assume you want comparison quotes from , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.

To view a list of companies in Moline, click here.

It's your choice how you get your quotes, but make darn sure you compare exactly the same coverage limits on every quote you get. If you are comparing differing limits you can't possibly determine which rate is truly the best in Moline.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Your stress level may be raising your rates - Careers like judges, business owners and dentists have the highest average rates due to high stress levels and long work days. Other professions such as pilots, historians and retirees get better rates.
Men are more aggressive - Statistics have proven women are more cautious behind the wheel. Now that doesn't mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically receive more costly citations like reckless driving and DUI.
Better crash test results mean better rates - Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
Special features that cut premiums - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Do you know you're credit rating? - Having a bad credit score is a big factor in determining what you pay for auto insurance. People with high credit ratings tend to be more responsible than drivers with lower ratings. So if your credit is low, you could pay less to insure your by improving your credit score.

How to know if you need help

When choosing the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's.

These are some specific questions may help you determine whether your personal situation may require specific advice.

Why am I required to get a high-risk car insurance policy?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
What companies insure drivers after a DUI or DWI?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Are auto insurance companies telling the truth?

Kansas drivers can't get away from ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all make an identical promise about savings if you change your coverage to them.

How can each company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 50, insures multiple vehicles, and chooses high deductibles. A propective insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a higher premium and ends up with business not being written. Company advertisements say "customers who switch" not "people who quote" save that much money. This is how companies can truthfully state the savings. This emphasizes why drivers must compare many company's rates. It's not possible to predict which insurance companies will give you the biggest savings.

Best coverage at the best price

People leave their current company for a variety of reasons including high rates after DUI convictions, denial of a claim, delays in responding to claim requests or extreme rates for teen drivers. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.

Cheap auto insurance is attainable on the web as well as from independent agents in Moline, and you should be comparing both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and these small, regional companies work with independent agents.

More sites with auto insurance information

Even more information is located at the Kansas Insurance Department website. Kansas drivers can read industry bulletins, learn about insurance regulations, and find disaster information.