Free Guide to Saving Money on Russell Auto Insurance Online

Are you tired of trying to scrape together enough money each month for car insurance? You are in the same boat as many other Iowa drivers. Online insurance companies like GEICO and Progressive constantly blast consumers with TV and radio ads and it is difficult to sift through the bull and find the best price available.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in better auto insurance rates.

Listed below are some of the factors auto insurance companies consider when setting premiums.

Safer cars are cheaper to insure - Safer cars get lower rates. Safe vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Optional equipment can affect rates - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
Discounts for multiple policies - Most insurance companies will award you with lower prices to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you're getting this discount you may still want to comparison shop to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
Your job and insurance rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as doctors, social workers and dentists tend to have the highest average rates attributed to high stress levels and long work hours. Other professions such as farmers, historians and homemakers receive lower rates.
Having a spouse can save you money - Being married can actually save you money on auto insurance. Having a spouse means you're more responsible and it's statistically proven that drivers who are married are more cautious.
Battle of the sexes - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. Men and women tend to get into accidents at about the same rate, but the male of the species cause more damage. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
Low deductibles can be expensive - The deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, collision with an animal, or theft. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.

Save big with these discounts

Auto insurance companies don't always publicize all available discounts in a way that's easy to find, so here is a list both the well known and the more hidden discounts you could be receiving. If you aren't receiving every discount available, you are paying more than you should be.

Fewer Miles Equal More Savings - Driving fewer miles can qualify you for a substantially lower rate.
Service Members Pay Less - Being deployed with a military unit could mean lower rates.
Auto/Home Discount - If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
No Accidents - Claim-free drivers can earn big discounts when compared with accident-prone drivers.
Paperless Signup - Some insurance companies may give you up to $50 for buying your policy digitally online.
One Accident Forgiven - A handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven't had any claims for a certain period of time.

As a disclaimer on discounts, some credits don't apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren't that generous.

To choose insurers offering auto insurance discounts in Russell, click here.

Auto insurance ads bend the truth

Consumers in Iowa can't ignore all the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies have a common claim about savings if you switch to their company.

How can each company claim to save you money?

Different companies can use profiling for the driver that makes them money. An example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Consumers who fall outside the requirements must pay higher prices and this can result in the customer not buying. The ads say "people who switch" not "people who quote" save that much. That's why companies can truthfully make the claims of big savings. This illustrates why you should quote coverage with many companies. It's impossible to know the company that will fit your personal profile best.

Even more information is available at the Iowa Insurance Division website. Visitors are able to find disaster information, view a list of available companies, read consumer alerts, and read industry bulletins.

Best coverage at the best price

Cheap auto insurance can be found both online and also from your neighborhood Russell agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, it's a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.