Tightwads Guide for Saving on Tipton Auto Insurance

Paying for high-priced auto insurance can drain your personal savings and make it hard to pay other bills. Comparison shopping is a smart way to slash your bill and have more diposable income.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices quite often since insurance rates are constantly changing. Even if you got the best rates a few years ago you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance online but we're going to give you some great ways to find affordable auto insurance.

Tipton auto insurance quote

Low Cost Tipton Auto Insurance

The are a couple different ways to compare rate quotes from local Tipton auto insurance companies. The best method to compare insurance prices is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  • The recommended way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method eliminates the need for separate quotes to each individual auto insurance company. One form compares rates instantly.
  • A harder way to shop for auto insurance online is going to the website for each individual company and fill out their own quote form. For instance, we'll assume you want comparison quotes from , and . To find out each rate you need to go to every website and enter your information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Tipton, click here.

Whichever way you use, make darn sure you compare exactly the same coverage limits and deductibles for every quote you compare. If you are comparing different liability limits you will not be able to determine the best price in Tipton. Just a small difference in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding the best rates.

Policy discounts you shouldn't miss

Companies don't list every available discount in a way that's easy to find, so the following is a list of some of the best known and the harder-to-find auto insurance savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Resident Student - Children living away from home attending college and do not have a car can receive lower rates.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students - Have your child take driver's ed class in school.
  • No Accidents - Drivers who don't have accidents pay less compared to bad drivers.
  • Own a Home - Being a homeowner may trigger a auto insurance policy discount because owning a home demonstrates responsibility.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

To see a list of providers offering auto insurance discounts in Tipton, follow this link.

Insurance agents can help

When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured's situation is different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in Iowa?
  • What are Iowa no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I rate my vehicle as pleasure use or commute?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

More sites with auto insurance information

Even more information can be read at the Iowa Insurance Division website. Iowa drivers can read consumer alerts, read enforcement actions against agents and companies, download brochures, and report car insurance fraud.