Consumer Tested Strategies for Getting the Cheapest Cedar Falls Iowa Auto Insurance

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not alone. Insurance companies such as GEICO, 21st Century and Progressive increase brand awareness with catchy ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you have a current auto insurance policy or need new coverage, you can learn to find better prices and possibly find even better coverage. Buying car insurance in Cedar Falls is easy if you know what you’re doing. Iowa consumers just need to learn the best way to shop over the internet.

How to Get Cheap Auto Insurance in Cedar Falls, IA

All the larger auto insurance companies provide prices online. This process doesn’t take much effort as you just enter your coverage information into the quote form. After you submit the form their system automatically orders your credit score and driving record and quotes a price based on these and other factors. This makes comparing rates easy, but the work required to visit each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. But it is imperative to get many rate quotes if you want to find the lowest auto insurance rates.

The easiest way to find cheaper rates utilizes a single form that obtains quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes price shopping online much simpler. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the pricing results.

If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

To compare pricing, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you enter as close as possible to your current policy. This way, you will have an apples-to-apples comparison for exact coverage.

Discounts are available to cut your rates

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but a few need to be asked for before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.

• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
• Low Mileage Discounts – Driving fewer miles can qualify you for a substantially lower rate.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
• Multi-policy Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
• One Accident Forgiven – A handful of insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
• New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.

Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.

To choose companies who offer auto insurance discounts in Cedar Falls, click here.

Everyone needs different coverages

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

• Is my cargo covered for damage or theft?
• Does having multiple vehicles earn me a discount?
• What is covered by UM/UIM coverage?
• What happens if I owe more than my vehicle is worth?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does my personal policy cover me when driving my company car?
• Am I covered when driving a rental car?
• What are the financial responsibility laws in Iowa?
• Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an 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. It only takes a few minutes and can provide invaluable advice.

Additional information is located on the website for the Iowa Insurance Division. Click here for link. Visitors are able to learn about insurance regulations, download brochures, and file complaints about a company.

More quotes mean more savings

Cost effective auto insurance is available both online as well as from independent agents in Cedar Falls, so you should compare both so you have a total pricing picture. Some insurance providers don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, you should never buy poor coverage just to save money. Too many times, someone dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.