5 Discounts Tabor Drivers Forget when Quoting Car Insurance

Searching for the cheapest Tabor car insurance online is impossible for consumers not familiar with shopping for insurance online. With so many choices of online companies available, how can consumers possibly compare every company to locate the lowest price?

It's important to price shop coverage yearly since rates are constantly changing. If you had the lowest rates a few years ago the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because we're going to show you the tricks you need to know to lower your annual insurance bill.

Save big with these 5 discounts

Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be manually applied before you get the savings.

Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
Pay Upfront and Save - By paying your policy upfront instead of paying each month you could save 5% or more.
More Vehicles More Savings - Insuring multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
Anti-theft System - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

To see a list of providers with the best car insurance discounts in Tabor, click here.

How to Get Cheap Car Insurance in Tabor, IA

There are several ways to get quotes from local Tabor car insurance companies. The best method to compare insurance prices consists of shopping online. This can be done in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do separate quotes for each company. A single, simple form will return price quotes instantly. This is perfect if you don't have a lot of time.
A more time consuming way to get quotes online consists of visiting the website for each individual company to complete their respective quote request forms. For sake of this example, let's say you want comparison quotes from , and . You would have to spend time on each company's site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Tabor, click here.
The most time-consuming way of comparing rate quotes is driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. It is possible to obtain prices from the web and still use a local agent and we'll cover that in a bit.

Whichever method you choose, make sure you use the exact same deductibles and coverage limits on every quote you get. If each company quotes different values for each quote then you won't be able to determine which rate is truly the best in Tabor. Slightly different coverages may result in large price differences. And when comparing car insurance rates, know that comparing more company's prices will enable you to find better pricing.

But I don't know anything about car insurance

When choosing adequate coverage for your personal vehicles, there is no "best" method to buy coverage. Every situation is different.

These are some specific questions can help discover if your situation would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Who is covered when they drive my vehicle?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Should I buy only the required Iowa minimum liability coverage?
What are the best liability limits?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance ads bend the truth

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads have a common claim about savings if you move your policy. How do they all claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the right customer that is profitable for them. For example, a preferred risk might be a mature driver, has no prior claims, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will be charged a higher premium and this can result in the customer not buying. The ad wording is "customers who switch" not "people who quote" save that kind of money. This is how companies can truthfully advertise the way they do.

That is why drivers must compare as many rates as you can. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

When shopping online for car insurance, never reduce coverage to reduce premium. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Drivers who switch companies do it for a variety of reasons including policy cancellation, delays in paying claims, extreme rates for teen drivers or lack of trust in their agent. Whatever your reason, finding a new car insurance company is actually quite simple.

Cheap car insurance is possible both online in addition to many Tabor insurance agents, and you need to price shop both to have the best selection. Some car insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional information can be found on the Iowa Insurance Division website found here. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, and view a list of available companies.