Free Guide to Spending Less for Seymour Auto Insurance Online

Paying for high-priced auto insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparison shopping is a smart way to cut your insurance bill. Having so many companies and agents to choose from, it's difficult to pick the best insurer.

It's important to get comparison quotes on a regular basis since insurance rates are constantly changing. Even if you got the best deal two years ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because it's time to teach you the only way to save on auto insurance.

More discounts equal less premium

Insuring your vehicles can cost a lot, but companies offer discounts that many people don't even know exist. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be specially asked for before being credited. If you don't get every credit you deserve, you're paying more than you need to.

Sign Online - A few companies give back up to $50 for buying your policy online.
Accident Waiver - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
Passive Restraints - Factory air bags or automatic seat belts can receive discounts of 20% or more.
Use Seat Belts - Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce your premiums.

To see a list of companies offering auto insurance discounts in Iowa, follow this link.

Which Auto Insurance is Cheapest in Seymour, Iowa?

Most companies provide insurance quotes on their websites. Getting online quotes doesn't take much effort as you just type in the coverages you want into the quote form. Once you submit the form, their system will obtain your credit score and driving record and provides a quote based on many factors. This makes it a lot easier to compare rates but the work required to visit different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

Quote rates the easy way

The preferred way to find lower prices requires only one form that gets price quotes from more than one company. It's a real time-saver, reduces the work, and makes online price comparison much easier. As soon as the form is sent, it gets priced and you can choose any or none of the price quotes you receive.

If you find a better price you can simply submit the application and buy the policy. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and enter your information. If you have a policy now, it's recommended you input the limits and deductibles as close as possible to your current policy. This makes sure you're receiving a price comparison based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Your spouse saves you money - Being married can actually save you money when buying auto insurance. It usually means you are more responsible and statistics show married drivers get in fewer accidents.
Battle of the sexes - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. Both sexes cause accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Clean credit earns discounts - Credit score is a big factor in determining what you pay for auto insurance. Therefore, if your credit is lower than you'd like, you could pay less to insure your by improving your rating. Consumers who have good credit tend to be less risk to insure than drivers who have poor credit.
Allowing your policy to lapse raises rates - Allowing your auto insurance policy to lapse is a quick way to increase your auto insurance rates. And not only will insurance be more expensive, getting caught without coverage may earn you a steep fine or even jail time.Then you may be required to file a SR-22 with the Iowa department of motor vehicles.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, architects and stock brokers are shown to have the highest rates due to high stress levels and long work days. On the other hand, jobs such as pilots, students and homemakers pay the least.
Multi-policy discounts can save money - Most companies will give a discount to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare rates to confirm you are receiving the best rates possible.

Switch companies and save? Really?

Iowa drivers can't get away from ads for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you switch your policy.

But how can every company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the right customer that is profitable for them. An example of a desirable insured might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who fits that profile gets the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will have to pay higher prices which usually ends up with business not being written. Company advertisements say "customers who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully state the savings.

Because of the profiling, drivers must quote coverage with many companies. It's not possible to predict which insurance companies will give you the biggest savings.

A tidy conclusion

Cheaper auto insurance can be found on the web in addition to many Seymour insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price.

For more Iowa auto insurance information

Additional information is available on the website for the Iowa Insurance Division found here. Iowa drivers can get help finding coverage, learn about insurance regulations, find out industry alerts, and find a variety of consumer forms.

Additional helpful sites include this site for Iowa auto insurance information and see this list of insurance agents in Seymour.