Free Guide to Paying Less for Newton Auto Insurance Online

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and put the squeeze on your family's finances. Comparing price quotes is a smart way to slash your bill and have more diposable income. You have so many to pick from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage yearly because insurance rates are constantly changing. Just because you found the best rates a few years ago you may be paying too much now. Don't believe everything you read about auto insurance on the web, but we're going to give you some great ways to slash your auto insurance rates.

The purpose of this article is to teach you the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Iowa drivers only need an understanding of how to compare prices on the web.

Where Can I Get Cheap Newton Auto Insurance?

There are several ways to compare auto insurance quotes, and some are more efficient than others. You could spend your day talking about coverages with agents in Newton, or you can stay home and use online quoting to get prices fast.

All the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company can provide price quotes based on that information. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of system is that you can't choose which companies you will receive quotes from. If you wish to select individual companies for rate comparison, we have a listing of the cheapest auto insurance companies in Iowa. Click here to view list.

Whichever way you use, make sure you use identical quote information on every quote. If the quotes have mixed coverages you will not be able to make a fair comparison in Newton.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that can help you get better auto insurance rates.

Shown below are some of the items that factor into your rates.

Traffic violations increase rates - Even a single ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
Drive less and save money - The higher the mileage driven in a year's time the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance declarations sheet shows the correct usage for each vehicle.
Higher deductibles cost less - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, or theft. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the bigger discount you will receive.
Drive a safer car and pay less - Safer cars are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates.
Discounts for multiple policies - Some companies give discounts to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to shop around to confirm you are receiving the best rates possible.

How much can you save with discounts?

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Most are applied when you complete an application, but some may not be applied and must be manually applied before they will apply. If you're not getting every credit you deserve, you're just leaving money on the table.

Good Student Discount - Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
Discount for Life Insurance - Larger companies have a discount if you purchase life insurance from them.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
Low Mileage - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Multi-policy Discount - When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
Government Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.
Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It's important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of providers with discount auto insurance rates in Iowa, follow this link.

How much car insurance do I need?

When it comes to choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Every insured's situation is different so your insurance needs to address that. For example, these questions can help discover if your insurance needs could use an agent's help.

Should I buy only the required Iowa minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
Is my dog or cat covered if injured in an accident?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, free and may give you better protection.

Additional auto insurance information can be read on the website for the Iowa Insurance Division. Click here for link. Iowa consumers can file complaints about a company, file complaints about an insurance agent or broker, report car insurance fraud, and find disaster information.

Other useful links include III.org's auto insurance page and this directory of insurance agents in Newton Iowa.

Best coverage at the best price

In this article, we presented many ways to lower your auto insurance rates. It's most important to understand that the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a lesser-known regional company. Smaller companies can often provide lower rates in certain areas compared to the large companies like .

As you shop your coverage around, make sure you don't reduce needed coverages to save money. There have been many cases where consumers will sacrifice full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Low-cost auto insurance can be sourced online in addition to many Newton insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.