Tightwads Tips for Saving on Ogden Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say there are a lot of people in Ogden just like you who feel imprisoned by their car insurance policy.

There is such a variety of to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes every six months due to the fact that insurance rates are constantly changing. Even if you got the best price a couple years back there may be better deals available now. Forget all the misinformation about car insurance because we're going to demonstrate the tricks you need to know to buy cheaper car insurance.

Finding affordable coverage in Ogden is easy if you know what you're doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. But Iowa consumers do need to know the methods companies use to price insurance differently and apply this information to your search.

Ogden car insurance comparison

Be sure to get all your discounts

Companies that sell car insurance do not advertise all their discounts very clearly, so we took the time to find both the well known and the harder-to-find car insurance savings.

  • Senior Citizens - Older drivers may be able to get a discount up to 10%.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Sign Online - A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • No Claims - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Driver Safety - Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Bundle and Save - When you have multiple policies with one company you may save approximately 10% to 15%.
  • Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Homeowners Discount - Owning a house in Ogden may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount with select insurance companies.

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn't make money that way.

For a list of companies who offer car insurance discounts in Iowa, follow this link.

How to Compare Car Insurance Quotes in Ogden, Iowa

There are several ways to compare car insurance prices and some are less labor-intensive and much quicker. You can waste hours talking to agents in Ogden, or you can stay home and use online quotes to achieve your goal.

Most car insurance companies participate in a marketplace that allows shoppers to send in one quote, and each participating company then gives them pricing based on that information. This eliminates the need for quote forms to each individual car insurance company.

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

One minor caviat to doing it this way is that you can't choose the companies to receive prices from. If you prefer to choose specific insurance companies for rate comparison, we have a page of the cheapest car insurance companies in Iowa. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing identical information for each price quote. If the quotes have higher or lower deductibles you will not be able to truly determine the lowest rate in Ogden. Just a small difference in insurance coverages could mean much higher rates. Just remember that having more price comparisons helps locate the best price.

Do the work, save more money

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed physical damage coverage only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest price.

Budget-conscious car insurance can be purchased both online in addition to many Ogden insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.