10 Discounts Springville Consumers Forget when Shopping for Car Insurance

Expensive car insurance can take a big chunk out of your checking account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to tighten up your finances. Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

It's important to compare prices yearly since rates are constantly changing. If you had the lowest price last year you can probably find a better price now. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to quit paying high car insurance rates.

Don't pay full price with these ten discounts

Car insurance is not cheap, but you can get discounts to help offset the cost. A few discounts will automatically apply when you purchase, but a few must be asked for before being credited. If you're not getting every credit you deserve, you are paying more than you should be.

Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
Save with a New Car - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
Auto/Life Discount - Some companies give a discount if you purchase life insurance.
E-sign - A few companies may give you up to $50 just for signing your application over the internet.
Senior Citizens - If you're over the age of 55, you can possibly qualify for better car insurance rates.
No Accidents - Drivers who don't have accidents pay much less compared to accident-prone drivers.
Defensive Driving Course - Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
Multi-policy Discount - If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.

It's important to note that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you're out of luck. But any discount will bring down your premiums.

To choose providers with the best car insurance discounts in Iowa, click this link.

The car insurance bait and switch

Consumers in Iowa can't ignore all the ads for car insurance savings by Allstate and Progressive. All the ads make the same claim that you can save if you move to their company.

How does each company claim to save you money?

Insurance companies have a preferred profile for the driver that makes them money. For instance, a preferred risk might be between 30 and 50, has no prior claims, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and therefore will save when switching.

Consumers who don't measure up to these standards will be charged higher prices which leads to the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much. This is how insurance companies can claim big savings.

That is why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Your personal situation dictates your coverage

When buying the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
I have good health insurance, so how much medical payments coverage do I need?
What are the financial responsibility laws in Iowa?
Does medical payments coverage apply to all occupants?
Should I put collision coverage on all my vehicles?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Learn more about car insurance in Iowa

More information is located on the website for the Iowa Insurance Division located here. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, view a list of available companies, and get help finding coverage.

A tidy conclusion

When trying to cut insurance costs, never buy poor coverage just to save money. Too many times, consumers will sacrifice collision coverage and learned later that it was a big mistake. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Lower-priced car insurance is possible both online and also from your neighborhood Springville agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.