Getting Cheap Pisgah Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you are not the only one feeling buyer's remorse. Drivers have so many to buy insurance from, and even though it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

How much can you save with discounts?

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If you're not getting every credit possible, you are throwing money away.

  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Clubs and Organizations - Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.
  • Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Save over 55 - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

compare Pisgah auto insurance rates

Save 15 percent in 15 minutes? Is it for real?

Iowa consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and GEICO. They all say the same thing about savings if you change your coverage to them.

How does each company make almost identical claims?

All companies are able to cherry pick for the type of customer that earns them a profit. An example of a driver they prefer could possibly be a mature driver, has no driving citations, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully advertise the savings.

This emphasizes why you should quote coverage with many companies. It's impossible to know which auto insurance company will give you the biggest savings.

Additional information is available on the website for the Iowa Insurance Division located here. Iowa consumers can view a list of available companies, find out which companies have the most complaints, discover disciplinary actions, and read enforcement actions against agents and companies.

In the end, you save

Cheap auto insurance is attainable online as well as from independent agents in Pisgah, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and these smaller companies work with independent agents.

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.