Easy Techniques to Spend Less on Union Auto Insurance

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies competing for business in Union.

Take advantage of discounts

Car insurance companies do not advertise every discount very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you don't get every credit you qualify for, you're paying more than you need to.

Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Safety Course Discount - Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
Paperwork-free - A few companies may give you up to $50 just for signing your application online.
Save with a New Car - Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way.

To see a list of insurance companies with discount auto insurance rates in Iowa, click here.

Finding Auto Insurance Deals in Union, IA

Finding cheaper auto insurance prices doesn't have to be difficult. Just take a few minutes to compare quotes online from several insurance companies. This can be accomplished in a couple of different ways.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for a different quote for each company you want a rate for. A single form will get you price quotes . This is by far the quickest method.
A slightly less efficient method to compare rate quotes requires a visit to the website of each company to complete their respective quote request forms. For examples sake, let's say you want to compare , and . To get each rate you have to take the time to go to each site to input your insurance information, and that's why the first method is more popular.

To view a list of companies in Union, click here.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits on every quote you get. If the quotes have differing limits you will not be able to determine which rate is truly the best in Union.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

Shown below are a few of the "ingredients" auto insurance companies consider when setting prices.

Claim-free discounts can add up - If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Companies in Iowa generally give discounts to drivers who are claim-free. Your insurance policy is intended for larger claims.
One company can mean more discounts - Some insurance companies provide better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare rates to ensure the best deal.
Do you need the policy add-ons? - There are quite a few additional coverages that can waste your money when buying auto insurance. Things like roadside assistance, accident forgiveness and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they're wasting money remove them from your policy.
Being married is a good thing - Having a spouse helps lower the price on auto insurance. Having a significant other means you're more mature it has been statistically shown that married couples file fewer claims.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured's situation is different.

These are some specific questions might point out whether your personal situation could use an agent's help.

Am I covered if I drive in a foreign country?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I really need UM/UIM coverage?
Do I need special endorsements for business use of my vehicle?
Does my liability insurance cover pulling a trailer or camper?
Does medical payments coverage apply to all occupants?
Should I file a claim if it's only slightly more than my deductible?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Are auto insurance companies telling the truth?

Consumers in Iowa can't get away from ads for cheaper car insurance by Progressive, Allstate and GEICO. They all have a common claim that you can save if you change to their company.

But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the driver that is profitable for them. For example, a driver they prefer might be over the age of 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a higher premium and this can result in the customer not buying. The ads state "drivers who switch" not "people who quote" save that much. That is how insurance companies can advertise the way they do. This emphasizes why drivers must get as many comparisons as possible. It's impossible to know which company will provide you with the cheapest rates.

A tidy conclusion

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, policy non-renewal, questionable increases in premium or policy cancellation. No matter why you want to switch, switching auto insurance companies is actually quite simple.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are too many instances where an insured cut physical damage coverage only to discover later that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Affordable auto insurance is attainable both online and also from your neighborhood Union agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

For more Iowa car insurance information

Additional detailed information can be found at the Iowa Insurance Division website. Visitors are able to download brochures, read consumer alerts, and discover disciplinary actions.

Additional helpful sites include this online resource for auto insurance quotes in Iowa and this list of insurance agents in Union.