Ames Iowa Car Insurance For Less Than You’re Paying Now

If you are a novice to online car insurance shopping, it’s easy to get confused by the large number of companies competing for business in Ames.

It’s a good habit to do rate comparisons yearly since rates are adjusted regularly by insurance companies. Even if you think you had the lowest price a few years ago there may be better deals available now. So just block out anything you think you know about car insurance because I’m going to teach you the tricks you need to know to find lower rates on car insurance.

If you are paying for car insurance now, you will be able to save some money using this information. Buying cheaper car insurance coverage in Ames is not that difficult. But Iowa consumers can benefit from knowing how companies price online insurance and use this information to your advantage.

How to Buy Ames Car Insurance Online

Shopping for lower car insurance rates is a ton of work if you don’t utilize the easiest way. You can waste hours talking to agents in Ames, or you could save time and use the internet to achieve your goal.

Many of the larger companies participate in a marketplace where prospective buyers only type in their quote data once, and at least one company returns a rated price determined by their information. This prevents consumers from doing repetitive form submissions to every company.

To get comparison pricing now click here (opens in new window).

The only drawback to getting quotes like this is you can’t choose the companies you will receive quotes from. If you prefer to choose individual companies for rate comparison, we put together a list of car insurance companies in Iowa. Click here to view list.

Which method you use is up to you, but be sure to compare the exact same coverage information on every quote. If you have mixed coverages it’s not possible to decipher which rate is best in Ames. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, having more price comparisons gives you a better chance of getting a better price.

Cut your car insurance rates with discounts

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked about before you will receive the discount.

  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Defensive Driver – Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • No Accidents – Good drivers with no accidents pay less compared to bad drivers.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Federal Employees – Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break when buying car insurance.

Drivers should understand that most discounts do not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will reduce the cost of coverage.

For a list of providers with discount car insurance rates in Ames, follow this link.

You are unique and your car insurance should be too

When choosing coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Ames Iowa car insurance quote

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • Does my vehicle qualify for pleasure use?
  • Do I need to file an SR-22 for a DUI in Iowa?
  • When would I need rental car insurance?
  • Am I covered when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?
  • When should I drop full coverage on my vehicle?
  • Are rental cars covered under my policy?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

More information is located on the Iowa Insurance Division website through this link. Consumers can read enforcement actions against agents and companies, read state legal mandates and laws, find a variety of consumer forms, and find disaster information.