Free Guide to Saving Money on Moville Auto Insurance Online

Tired of not being able to afford each month for car insurance? You are in the same boat as many other drivers in Iowa.

Big-name insurance companies like GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will be able to cut costs considerably using these methods. Buying car insurance in Moville is easy if you know what you're doing. But Iowa vehicle owners do need to know the methods companies use to sell online because it can help you find the best coverage.

Take advantage of discounts

Companies offering auto insurance don't always advertise every discount in a way that's easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Seat Belt Usage - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Accident Free - Claim-free drivers pay much less when compared to bad drivers.
  • Homeowners Pay Less - Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Driver Safety - Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.

Consumers should know that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

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

Compare Moville Auto Insurance Costs

There are several ways to compare rate quotes and find the best price. The best method to find the cheapest insurance rates is to use the internet to compare rates. This can be done using a couple different methods.

  • The best way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form eliminates the need for a different quote for every auto insurance company. In just a few minutes this one form gets you price quotes .
  • A harder way to compare rate quotes requires visiting the website of each company to complete their respective quote request forms. For sake of this example, we'll pretend you want rates from , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, and that's why the first method is more popular.

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

However you get your quotes, ensure you're using exactly the same quote information on every quote you get. If you enter mixed coverages you will not be able to determine which rate is truly the best in Moville. Slightly different insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes will improve the odds of getting the best offered rates.

Why some people pay less for insurance in Moville

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

The following are a partial list of the pieces companies use to determine prices.

  • Always keep insurance in force - Allowing your coverage to lapse will be a guaranteed way to bump up your auto insurance costs. Not only will you pay more, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Careers like judges, social workers and dentists tend to pay the highest average rates in part from stressful work requirements and lengthy work days. Other professions such as farmers, historians and performers have the lowest average rates.
  • Bump up deductibles to save - The deductibles define the amount you are required to spend before your auto insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more you're willing to pay, the less your company will charge you for insurance.
  • An active claims history can cost you - Companies in Iowa generally give cheaper rates to people who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Special features that cut premiums - Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Drive less and save money - Driving more miles every year the higher your rate. Most companies price each vehicle's coverage based on how the vehicle is used. Cars left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Extra coverages can waste money - There are a ton of extra bells and whistles that can waste your money if you aren't careful. Insurance for roadside assistance, accident forgiveness and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don't need them eliminate the coverages to reduce your premium.
  • One company can mean more discounts - Many insurance companies provide better rates to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it's in your best interest to compare rates to make sure you are getting the best deal. You may still find better rates by buying insurance from more than one company.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim that you'll save big after switching to them. How can each company say the same thing? This is how they do it.

All companies can use profiling for the type of driver that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 40, is a homeowner, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" will qualify for 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 this can result in business not being written. The ad wording is "drivers who switch" not "people who quote" save money. That's why companies can advertise the way they do. This emphasizes why drivers must get as many quotes as possible. It's not possible to predict the company that will provide you with the cheapest rates.

Shop smart and save

Discount auto insurance can be sourced on the web and with local Moville insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage and learned later that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

More detailed Iowa auto insurance information is located at the Iowa Insurance Division website. Iowa drivers can find a variety of consumer forms, read industry bulletins, report car insurance fraud, and download brochures.