Tightwads Tips for Saving on Ollie Car Insurance

I can't think of anyone who likes having to buy car insurance, especially when the cost is way too high.

There is such a variety of to pick from, and even though it's nice to have a selection, so many choices can make it hard to compare rates.

It's important to get comparison quotes periodically because rates are constantly changing. Just because you had the best price a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate the proper way to find the best coverage while lowering your premiums.

Iowa car insurance quotes

Ollie Car Insurance Comparisons

There are several ways to compare quotes from different Ollie insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for repetitive form submissions to each individual car insurance company. Just one form will return quotes from multiple companies.
  • Another way to get quotes online is to take the time to go to the website for each individual company and request a quote. For example, we'll assume you want to compare , and . To find out each rate you need to visit each site and enter your information, and that's why the first method is more popular. To view a list of companies in Ollie, click here.

It's up to you how you get prices quotes, just be sure to compare identical coverages and limits with every price quote. If you have different deductibles it will be very difficult to find the best deal in Ollie. Having just a slight variation in coverages could mean much higher rates. Keep in mind that having more price comparisons helps you find a lower rate.

Save big with these discounts

The price of auto insurance can be rather high, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be specifically requested prior to getting the savings.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Early Signing - Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Drive Less and Save - Driving fewer miles can earn better rates on cars that stay parked.
  • Defensive Driver - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

To see a list of companies offering car insurance discounts in Iowa, click this link.

But I don't know anything about car insurance

When choosing the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's situation is unique so this has to be addressed. These are some specific questions may help highlight if your situation would benefit from professional advice.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Iowa minimum liability coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Additional Iowa consumer information

Additional information can be found on the website for the Iowa Insurance Division. Click here for link. Consumers can view agent and company licensing information, learn about specific coverages, file complaints about a company, and find out industry alerts.

Additional helpful sites include Wikipedia and this Ollie agent directory.