How to Find Low-Cost Newell Auto Insurance

If online auto insurance comparisons are new to you, it's easy to be confused by the hoards of auto insurance companies offering insurance in Newell.

Vehicle Insurance Comparison

Most major insurance companies allow you to get pricing directly from their websites. Getting online rates is pretty easy as you just enter your personal and coverage information as detailed in the form. Behind the scenes, the company's rating system will obtain your credit score and driving record and returns a price quote based on these factors.

This makes comparing rates easy, but the time required to go to several different sites and type in the same information gets old quite quickly. But it's very important to perform this step in order to find better auto insurance pricing.

There is a better way!

A less time-consuming method to compare rates uses one simple form that gets prices from more than one company. The form is fast, reduces the work, and makes online price comparison much more enjoyable. As soon as you send your information, it is rated and you are able to buy any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To save time and find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you duplicate your coverages as shown on your current policy. This way, you're receiving comparison quotes based on similar coverages.

Why some people pay less for insurance in Newell

It's important that you understand the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in better auto insurance rates.

Do you need the policy add-ons? - There are a lot of additional coverages that you can get tricked into buying on your auto insurance policy. Things like rental car reimbursement, accidental death and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don't need them remove them from your policy.
Your credit rating is important - A driver's credit rating is a huge factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit history can use some improvement, you could be paying less to insure your by improving your rating.
You might want pay the small claims yourself - Auto insurance companies in Iowa generally give discounts to drivers who file claims infrequently. If you are a frequent claim filer, you can definitely plan on higher rates. Car insurance is designed for larger claims.
Traffic violations increase rates - Only having one ticket can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.

These discounts can lower your rates

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but some may not be applied and must be manually applied before being credited.

Defensive Driving Course - Taking a course in driver safety can save you 5% or more depending on where you live.
Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
Federal Employees - Simply working for the federal government can earn a discount up to 10% depending on your company.
Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn't work that way. But any discount will help reduce the cost of coverage.

For a list of insurers with the best auto insurance discounts in Iowa, click here.

Different people need different coverages

When it comes to choosing coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique.

For instance, these questions may help highlight whether you might need professional guidance.

Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Am I covered if I drive in a foreign country?
Can I rate high risk drivers on liability-only vehicles?
Do I really need UM/UIM coverage?
Do I need special endorsements for business use of my vehicle?

If you can't answer these questions then you might want to talk to an agent. To find an agent in your area, complete this form.

More information can be read on the Iowa Insurance Division website. Click here for link. Iowa consumers can discover disciplinary actions, find out industry alerts, and download brochures.

Other useful links include this resource for Iowa auto insurance prices and this link which helps you find a Newell agent.

Final considerations

Affordable auto insurance is definitely available online and with local Newell insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented a lot of techniques to lower your auto insurance rates. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the best prices are with a smaller regional carrier.

Drivers who switch companies do it for any number of reasons including questionable increases in premium, poor customer service, extreme rates for teen drivers and policy cancellation. Regardless of your reason for switching companies, switching auto insurance companies is not as hard as you think.