Free Guide to Paying Less for State Center Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are a lot of people in State Center just like you who feel imprisoned by their auto insurance policy. Numerous battle for your hard-earned dollar, so it can be very hard to choose a to get the lowest price

How much can you save with discounts?

Companies don't always list all available discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If they aren't giving you every credit possible, you are throwing money away.

Clubs and Organizations - Participating in certain professional organizations may earn a discount when buying auto insurance.
Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with a substantially lower rate.
Safety Course Discount - Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
Seat Belt Usage - Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
Federal Government Employee - Active or retired federal employment may qualify you for a discount depending on your company.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

A little note about advertised discounts, some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you won't be that lucky.

Tips to Get Lower State Center Rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in big savings.

Shown below are a partial list of the pieces used by your company to calculate premiums.

Liability coverage is cheap - Your policy's liability coverage provides coverage if a court rules you are at fault for personal injury or accident damage. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Safer occupants lowers premiums - Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and lower injury rates means lower claim amounts and lower rates for you.
Extra add-on coverages are wasting money - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
Never let your coverage lapse - Driving with no insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.
Your stress level may be raising your rates - Occupations such as judges, social workers and accountants have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations like actors, athletes and retirees get better rates.
Consolidate policies to earn discounts - Some insurance companies will award you with lower prices to customers who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you're getting this discount it's in your best interest to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
Lower rates with optional equipment - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.

Save 15 percent in 15 minutes? Is it for real?

Iowa consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies have a common claim about savings if you change your coverage to them.

How do they all make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a profitable customer could possibly be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile must pay a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully advertise the way they do. This illustrates why drivers should get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

Even more information is located at the Iowa Insurance Division website. Iowa consumers can find out which companies have the most complaints, find disaster information, discover disciplinary actions, and find a variety of consumer forms.

And the best car insurance company is...

Cheaper auto insurance is attainable online as well as from independent agents in State Center, so you should compare both to have the best selection. Some auto insurance companies don't offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for auto insurance, never skimp on coverage in order to save money. In too many instances, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.