Free Guide to Spending Less for Scranton Auto Insurance Online

Expensive auto insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is a great way to help make ends meet.

You have so many to pick from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

How to Get Cheap Auto Insurance in Scranton, IA

There are multiple methods to compare auto insurance quotes, and some are more efficient than others. You can spend countless hours driving to insurance agencies in Scranton, or you could save time and use the web to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and at least one company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

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

The only drawback to getting quotes like this is you are unable to specify the providers you want pricing from. If you wish to select specific providers to compare rates, we put together a list of auto insurance companies in Iowa. Click to view list.

However you get your quotes, make sure you use identical coverage information for each comparison quote. If you use unequal deductibles or liability limits it will be impossible to determine the lowest rate in Scranton. Slightly different coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more company's prices helps you find the best offered rates.

Don't pay full price with these discounts

Auto insurance companies don't always list all available discounts very clearly, so here is a list some of the best known as well as the least known discounts you could be receiving.

  • Multiple Vehicles - Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Student in College - Youth drivers who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • No Claims - Drivers who don't have accidents can earn big discounts when compared with bad drivers.
  • Drivers Education - Have your child enroll in driver's education if it's offered in school.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren't that generous.

To see a list of insurers who offer auto insurance discounts in Iowa, click here.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?

If you can't answer these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Learn more about auto insurance in Iowa

Even more information is available at the Iowa Insurance Division website. Iowa drivers can report car insurance fraud, view agent and company licensing information, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Additional helpful sites include this page for Iowa auto insurance and this page for help finding agents in Scranton, IA.