Tightwads Guide for Saving on Tama Car Insurance
Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say many Tama consumers feel financially strained by their car insurance policy. Popular companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.
If you have a current car insurance policy or are shopping for new coverage, you can learn to find better prices and still get good coverage. Buying car insurance in Tama is quite easy. Iowa drivers only need an understanding of the proper methods to get comparison rates over the internet.
Save big with these discounts
Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically prior to getting the savings. If you aren't receiving every discount possible, you are throwing money away.
- Clubs and Organizations - Belonging to a civic or occupational organization is a good way to get lower rates when buying car insurance.
- Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
- 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
- Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
- Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
- No Charge for an Accident - A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven't had any claims for a set time period.
- Life Insurance - Larger companies have better rates if you take out life insurance.
- Fewer Miles Equal More Savings - Fewer annual miles can earn discounted rates on garaged vehicles.
Consumers should know that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will reduce your overall premium however.
Car insurance ads bend the truth
Consumers get pounded daily by advertisements that promise big savings by Allstate, GEICO and Progressive. All the companies make an identical promise of big savings after switching to their company.
How can each company make the same claim? This is how they do it.
Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer could be between 30 and 50, has no tickets, and has a high credit rating. A customer who meets those qualifications will get the preferred rates and most likely will save when they switch companies.
Potential customers who fall outside the requirements must pay a higher premium and ends up with business going elsewhere. The ads state "drivers who switch" not "people who quote" save that much. That's the way insurance companies can confidently state the savings.
This illustrates why you should get a wide range of price quotes. Because you never know which car insurance company will have the lowest rates.
Find out more about car insurance
Additional car insurance information can be found on the website for the Iowa Insurance Division. Click here for link. Consumers can find out which companies have the most complaints, discover disciplinary actions, learn about insurance regulations, and find disaster information.
And the best car insurance company is...
Cost effective car insurance can be bought from both online companies and also from your neighborhood Tama agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage only to discover later that they should have had better coverage. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
We just showed you some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than their larger competitors like .
