Getting the Cheapest Sperry Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many Sperry consumers feeling the pinch from expensive car insurance. Insurance companies such as GEICO and Progressive constantly bombard you with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare rates at least once a year because rates are constantly changing. Just because you found the best price on your last policy you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to find out how to use online quotes to find better coverage at a better price.

Policy discounts you shouldn't miss

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so we took the time to find some of the more common and the more hidden car insurance savings. If you aren't receiving every discount possible, you are throwing money away.

55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.
Homeowners Discount - Owning a house in Sperry may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

Save $429 a year? Really?

Consumers get pounded daily by advertisements that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings after switching to their company.

How can each company make the same claim?

All companies are able to cherry pick for the driver that earns them a profit. For example, a desirable insured could be a mature driver, has no tickets, and has great credit. A customer who fits that profile will get very good rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay higher prices which usually ends up with business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the savings. Because of the profiling, you should get quotes from several different companies. Because you never know which car insurance company will fit your personal profile best.

Find out more about car insurance

Even more information can be found at the Iowa Insurance Division website. Consumers can learn about insurance regulations, discover disciplinary actions, report car insurance fraud, and download brochures.

A tidy conclusion

When you buy insurance online, it's a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate.

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Sperry agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.