Compare Waverly Auto Insurance Prices With These Tips

Are you intimidated by the dozens of auto insurance options in Waverly? You're not the only one! Drivers have so many companies to choose from that it can turn into a big hassle to find the best price.

It's important to get comparison quotes every six months because insurance rates are constantly changing. Even if you got the lowest price a few years ago there may be better deals available now. Ignore everything you know about auto insurance because we're going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

Waverly auto insurance quote

Policy discounts you shouldn't miss

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be manually applied before they will apply.

  • Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
  • Save over 55 - Older drivers may be able to get a discount up to 10%.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.

Keep in mind that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down the amount you have to pay.

For a list of providers who offer auto insurance discounts in Iowa, click here to view.

How to Compare Auto Insurance in Waverly, Iowa

The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The recommended way to compare insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways consumers can analyze rates is a comparison rater form click here to open form in new window. This easy form keeps you from doing repetitive form entry to each individual auto insurance company. Filling out one form gets rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.

A less efficient way to shop for auto insurance online is spending the time to visit the website for each individual company and complete a new quote form. For instance, let's assume you want to compare rates from , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Waverly, click here.

It's your choice how you get your quotes, but ensure you are comparing identical information on every quote. If you use higher or lower deductibles it's impossible to make a fair comparison in Waverly. Quoting even small variations in limits could mean much higher rates. Just remember that having more price comparisons helps locate the best price.

Final considerations

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Affordable auto insurance can be purchased online in addition to many Waverly insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

People change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, delays in paying claims and denial of a claim. No matter why you want to switch, choosing a new insurance company is not as hard as you think.