How to Know You're Wasting Money for Auto Insurance in Persia

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are a lot of people in Persia just like you who feel imprisoned by their auto insurance policy.

Having so many companies to choose from, it can be challenging to pick the lowest cost insurance company.

Take advantage of discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked for prior to getting the savings.

Fewer Miles Equal More Savings - Keeping the miles down can qualify you for discounted rates on garaged vehicles.
Military Rewards - Being on active duty in the military can result in better rates.
Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
No Charge for an Accident - Some insurance companies will allow you to have one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of insurers with the best auto insurance discounts in Iowa, click here to view.

Compare the Market for Auto Insurance in Persia

There are several ways of comparing rates from auto insurance companies in your area. The best method to find the lowest rates is to perform an online rate comparison. This can be done in several different ways.

The best way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate forms for each company. Completing one form gets you coverage quotes from several companies.
A slightly less efficient method to compare rate quotes consists of going to the website for every company you want to comare and request a quote. For example, let's say you want to compare rates from , and . You would have to visit each site to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Persia, click here.
The least recommended method of comparing rate quotes is driving to insurance agents' offices. The internet has reduced the need for local agents unless you have a need for the trained guidance of a licensed agent. However, consumers can obtain prices from the web and still use a local agent. We'll cover that shortly.

It's your choice how you get your quotes, but compare apples-to-apples coverages with every price quote. If you compare different limits and deductibles on each one you will not be able to find the best deal in Persia. Quoting even small variations in coverages can mean a large discrepancy in price. Just keep in mind that more quotes provides better odds of finding lower pricing.

Why some people pay less for insurance in Persia

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in better auto insurance rates.

High crash test scores lower rates - Safer cars can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Small claims can cost you - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies in Iowa award discounts to insureds who file claims infrequently. Car insurance is intended for the large, substantial claims.
Men fork out a little more - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that women are better drivers. Men and women tend to get into accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like DUI and reckless driving.
Bundling policies can get discounts - The majority of insurers will award you with lower prices to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to make sure you are getting the best deal. Consumers may find a better deal by insuring with multiple companies.
Equipment add-ons that lower auto insurance rates - Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
Rates may be higher depending on your occupation - Occupations such as doctors, business owners and stock brokers tend to pay the highest rates in part from high stress levels and long work hours. On the other hand, professions such as actors, students and the unemployed have the lowest average rates.
The type of vehicle makes a difference - The performance level of the vehicle you are insuring makes a huge difference in the rate you pay. The cheapest insurance rates are generally reserved for low performance passenger cars, but other factors influence the final cost greatly.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm regularly use ads on TV and radio. All the companies make an identical promise about savings if you move to them. But how can every company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of driver that is profitable for them. An example of a profitable customer might be a mature driver, has no tickets, and has great credit. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile must pay a more expensive rate and ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save money. That's the way companies can truthfully advertise the savings.

This illustrates why drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Do the work, save more money

Cheaper auto insurance is definitely available both online and with local Persia insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Additional information is available on the website for the Iowa Insurance Division. Click here for link. Visitors are able to find disaster information, download brochures, learn about insurance regulations, and read consumer alerts.

Additional helpful sites include this resource for Iowa auto insurance prices and this page of Persia insurance agents.