Finding Cheaper Stanwood Auto Insurance

Nobody cherishes buying auto insurance, especially knowing they are paying too much. Lots of contend for your insurance dollar, and it can be difficult to compare rates to get the lowest price

Tips to Get Lower Stanwood Rates

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in big savings.

  • Lower deductibles cost more - Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, vandalism, and rolling your vehicle. The more money you have to pay, the lower your rates will be.
  • Do you qualify for a multi-policy discount? - The majority of auto insurance companies will award you with lower prices to people who consolidate policies with them. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it's still a good idea to comparison shop to verify if the discount is saving money.
  • Rates may be higher depending on your occupation - Occupations such as doctors, executives and accountants have higher rates than average due to high stress and lots of time spent at work. On the flip side, occupations such as scientists, athletes and the unemployed get better rates.
  • Liability insurance protects assets - The liability section of your policy is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Finding Auto Insurance in Stanwood, IA

All major auto insurance companies such as Allstate, GEICO and Progressive allow you to get coverage price quotes on the web. Getting online quotes is fairly simple as you just enter your coverage preferences as detailed in the form. After the form is submitted, their system will obtain your credit score and driving record and generates pricing information based on many factors. Quoting online streamlines rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.

There is a better way!

The preferred way to get multiple rate quotes requires only one form to get prices from more than one company. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, it is rated and you are able to buy any of the resulting price quotes. If you find a better price you simply finish the application and purchase coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To quickly find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you copy the coverage information exactly as shown on your declarations page. This makes sure you're receiving a rate comparison for the exact same coverage.

Are you getting all your discounts?

Car insurance companies don't necessarily list all available discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are paying more than you should be.

  • More Vehicles More Savings - Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Auto/Home Discount - If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • Claim Free - Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Organization Discounts - Affiliation with certain professional organizations could trigger savings when buying auto insurance.
  • Student Driver Training - Cut your cost by having your teen driver enroll in driver's education in high school.

It's important to note that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you're out of luck.

To choose insurers with the best auto insurance discounts in Stanwood, click this link.

How can Allstate, GEICO and Progressive save drivers who switch?

Iowa drivers can't ignore all the ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. All the companies make the same claim that you can save if you move your coverage to them.

How do they all say the same thing? It's all in the numbers.

All the different companies have a certain "appetite" for the type of customer that makes them money. An example of a profitable customer might be profiled as between 30 and 50, owns a home, and has a high credit rating. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile must pay higher prices which leads to business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that much money. That is how insurance companies can state the savings. This illustrates why you need to compare as many rates as you can. It's not possible to predict which company will have the lowest rates.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions might point out whether you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Additional detailed information is available at the Iowa Insurance Division website. Iowa drivers can report car insurance fraud, read consumer alerts, read industry bulletins, and find out which companies have the most complaints.

Stanwood auto insurance quote

Best coverage at the best price

Lower-priced auto insurance is definitely available on the web as well as from independent agents in Stanwood, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, never reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.