Getting Low-Cost Rowley Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say you're not alone. With consumers having so many different company options, it's nearly impossible to find the best insurance company.

It's important to check auto insurance prices at least once a year because prices are constantly changing. Even if you got the best deal last year there is a good chance you can find better rates now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to save money, get proper coverage and the best rates.

The purpose of this article is to tell you how car insurance quotes work and some tips to save money. If you currently have car insurance, you will most likely be able to save some money using this information. Iowa consumers only need to know the most efficient way to compare rates online.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

Listed below are some of the factors companies use to determine rates.

Please use or commuting - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance policy properly reflects how each vehicle is driven, because it can save money.
Don't get talked into coverage you don't need - There are many extra coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and motor club memberships may be costing you every month. These may sound like a good investment initially, but if you don't need them remove them from your policy.
Better credit means lower rates - Credit score is a big factor in calculating your auto insurance rates. If your credit history is lower than you'd like, you could save money insuring your by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one speeding ticket can increase rates by twenty percent. Good drivers get better rates than bad drivers. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be collision with another vehicle, collision with an animal, or theft. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more money you're willing to pay, the less your auto insurance will be.
Multiple policies with one company can save - Most insurers will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to comparison shop to make sure you are getting the best deal. You may still be able to find a better deal by insuring with multiple companies.
Pay less if you're married - Being married can actually save you money on your policy. It is viewed as being more responsible and statistics show being married results in fewer claims.

Compare the Market for Auto Insurance in Rowley

Reducing your insurance rates is actually quite simple. Consumers just need to take the time comparing rate quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

The fastest way to get quotes is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate quotation requests for each company. Completing one form compares rates from auto insurance companies with the best prices.
A more difficult way to shop for auto insurance online is going to the website for each individual company to complete their respective quote request forms. For examples sake, let's assume you want to compare rates from , and . You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in Rowley, click here.
The least recommended method to compare rates is to waste gas driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you want the trained guidance of a licensed agent. However, consumers can find lower rates online but buy from a local insurance agent. We'll cover that shortly.

It's up to you which method you use, but compare apples-to-apples coverage limits and deductibles on every quote you get. If you use different liability limits you can't possibly determine which rate is truly the best in Rowley.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but there are discounts available that many people don't even know exist. Certain discounts will be applied when you quote, but some must be asked for before you get the savings. If you don't get every credit possible, you are paying more than you should be.

Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
Defensive Driver - Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Discount for Good Grades - This discount can save 20 to 25%. The discount lasts until age 25.
Homeowners Discount - Owning a house in Rowley can help you save on auto insurance because owning a home requires personal responsibility.
Early Signing - Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To choose companies offering auto insurance discounts in Iowa, click here to view.

Save $429 a year? Really?

Iowa consumers can't ignore all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you switch to them.

But how can every company make almost identical claims? It's all in the numbers.

Different companies are able to cherry pick for the type of driver that makes them money. An example of a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state "customers who switch" but not "drivers who get quotes" save money. That's the way companies can truthfully claim big savings.

Because of the profiling, you need to get quotes from several different 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 found here. Iowa consumers can file complaints about an insurance agent or broker, discover disciplinary actions, find out industry alerts, and file complaints about a company.

Other informative sites include Auto Insurance 101 and this page where you can research Rowley insurance agents.

Best coverage at the best price

When trying to cut insurance costs, don't be tempted to reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best price.

The cheapest auto insurance can be found online and with local Rowley insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

You just read some good ideas how you can compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from a small mutual company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .