Buy Low-Cost Plainfield Car Insurance

Expensive car insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Shopping your coverage around is a smart way to help make ends meet.

Because there are so many car insurance companies to choose from, it can be hard to pick the most affordable company.

It's important to price shop coverage on a regular basis due to the fact that insurance rates are constantly changing. Even if you got the best deal a few years ago the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because I'm going to teach you the only way to lower your annual insurance bill.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all their discounts very well, so here is a list both the well known as well as the least known car insurance savings.

College Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Accident Waiver - Some insurance companies will forgive one accident before raising your premiums as long as you don't have any claims prior to the accident.
Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
Good Student Discount - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
Senior Citizens - Mature drivers may be able to get a discount up to 10%.

It's important to note that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, you're out of luck.

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

How to Lower Your Car Insurance Cost in Plainfield, Iowa

There are several ways to compare car insurance quotes, and some are more efficient than others. You can waste a lot of time driving to insurance agencies in Plainfield, or you could save time and use online quotes for quick rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company then gives them pricing. This eliminates the need for repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is you are unable to specify which carriers to receive prices from. So if you want to choose specific providers to compare rates, we have assembled a list of car insurance companies in Iowa. Click to view list.

Whichever way you use, ensure you are comparing apples-to-apples information on every quote. If you are comparing higher or lower deductibles it will be impossible to make a fair comparison in Plainfield. Just a small difference in limits may result in large price differences. Just remember that comparing more company's prices gives you a better chance of getting the best price.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with lower car insurance prices.

The following are some of the factors that factor into rates.

Mature drivers pay less - Youthful drivers in Iowa are known to be more careless when driving so car insurance rates are higher. Adding a young driver onto your car insurance can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Marriage pays dividends - Being married can get you a discount when buying car insurance. It usually means you are more mature and it's proven that married drivers get in fewer accidents.
Rural vs Urban Areas - Residing in a rural area can be a good thing when talking about car insurance. City drivers have much more traffic and longer commute times. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
Bad driving skills means higher rates - Drivers with clean records have lower premiums compared to drivers with tickets. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Do men or women drive better? - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.
Car features impact rates - Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

Is there truth in advertising?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to say the same thing that you can save after switching your policy. But how can every company claim to save you money?

All companies have a preferred profile for the right customer that is profitable for them. An example of a desirable insured might be a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest rates.

Final considerations

When shopping online for car insurance, don't be tempted to reduce coverage to reduce premium. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at a price you can afford.

Lower-priced car insurance can be purchased both online in addition to many Plainfield insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We just presented many ways to compare car insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a small local company. These smaller insurers often have lower prices on specific markets compared to the large companies like .

Additional detailed information is available at the Iowa Insurance Division website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, view agent and company licensing information, and file complaints about a company.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Plainfield.