Car Insurance in Wesley, IA - 6 Tricks to Save Money

Finding the most affordable Wesley car insurance on the internet is somewhat difficult for consumers new to buying insurance on the web. With so many choices of insurance companies available, how can you effectively compare the different rates to find the lowest rates?

compare Wesley car insurance rates

Low Cost Wesley Car Insurance

All major car insurance companies such as State Farm, Allstate and GEICO provide price estimates on the web. Getting quotes is quite simple as you simply type in your coverage information into the quote form. After the form is submitted, the system will obtain your credit score and driving record and generates a price.

Online price quotes streamlines rate comparisons, but the time required to go to several different sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

The preferred way to locate the lowest prices is to use a quote form that gets prices from multiple companies. It's a real time-saver, reduces the work, and makes online quotes much simpler. After sending your information, it gets priced and you can select any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and fill out the form. If you have coverage now, it's recommended you copy coverages and limits as close as possible to your current policy. This makes sure you will have rate comparison quotes for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so we researched both the well known and the harder-to-find car insurance savings.

  • Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Distant Student - Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Driver Safety - Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Organization Discounts - Being a member of certain professional organizations could qualify you for a break when shopping for car insurance.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

To choose insurance companies who offer car insurance discounts in Wesley, follow this link.

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing about savings after switching your coverage to them. How do they all claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of customer that makes them money. For instance, a driver they prefer might be a mature driver, insures multiple vehicles, and has great credit. Any new insured who fits that profile receives the best rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will be quoted higher prices which usually ends up with the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much money. This is how companies can truthfully advertise the savings. This emphasizes why you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

It's not one size fits all

When buying the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Every insured's situation is different.

Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • Do I qualify for additional discounts?
  • Why am I required to get a high-risk car insurance policy?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Even more information is located at the Iowa Insurance Division website. Visitors are able to view a list of available companies, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Wesley car insurance comparison

Shop smart and save

Consumers change insurance companies for any number of reasons including unfair underwriting practices, not issuing a premium refund, delays in paying claims or even delays in responding to claim requests. It doesn't matter why you want to switch switching car insurance companies is easier than you think.

When you buy insurance online, you should never reduce coverage to reduce premium. There have been many situations where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Cheaper car insurance can be purchased both online as well as from independent agents in Wesley, and you need to price shop both so you have a total pricing picture. There are still a few companies who don't offer online price quotes and these small, regional companies work with independent agents.