Top 7 Ways to Get Lower Rates on Car Insurance in Norwalk, IA

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat.

Consumers have many to buy insurance from, and even though it's nice to be able to choose, it can be more difficult to compare rates.

Buying car insurance in Norwalk is easy if you know what you're doing. Basically, every driver who is required by state law to have car insurance will most likely be able to reduce their rates. But Iowa car owners do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

How to Compare Norwalk Car Insurance Costs

There are several ways to compare rate quotes from car insurance companies in your area. One of the best ways to find the cheapest insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

The fastest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotes for every car insurance company. Completing one form will get you price quotes instantly.
A different way to get quotes online requires a visit to the website of each company to complete a price quote. For sake of this example, we'll assume you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site to input your insurance information, which is why the first method is more popular.

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

Whichever way you use, compare identical coverage limits for every company. If you enter differing limits it will be impossible to decipher which rate is best in Norwalk. Just a small difference in insurance coverages may result in a large different in cost. Just keep in mind that getting more free quotes helps locate better pricing.

Save big with these seven discounts

Companies don't always advertise every discount very clearly, so we researched some of the more common as well as the least known car insurance savings.

No Accidents - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
Low Mileage Discounts - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Safety Course Discount - Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
Distant Student - Children who are attending college and don't have a car may qualify for this discount.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
New Car Discount - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Paperwork-free - Certain companies will give a small break for buying a policy and signing up over the internet.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, companies wouldn't make money that way.

To choose insurance companies with discount car insurance rates in Iowa, follow this link.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all say the same thing that you'll save big if you change to their company. How does each company make the same claim?

All companies are able to cherry pick for the driver that makes them money. For instance, a driver they prefer could be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential insureds who fall outside these standards will be quoted more money which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that much. That's the way companies can advertise the way they do. This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

More detailed Iowa car insurance information is located at the Iowa Insurance Division website. Consumers can read industry bulletins, find disaster information, discover disciplinary actions, and read enforcement actions against agents and companies.

Shop smart and save

Budget-conscious car insurance is attainable from both online companies and also from your neighborhood Norwalk agents, so compare prices from both in order to have the best chance of saving money. Some car insurance companies may not provide online price quotes and these small, regional companies work with independent agents.

When shopping online for car insurance, it's very important that you do not reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.