Discover Proven Ways to Save on Muscatine Iowa Car Insurance

Nobody cherishes buying car insurance, especially when the price is too high.

You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it can be more difficult to find the best rates for your vehicles.

Smart consumers take time to take a look at other company’s rates at least once a year due to the fact that insurance rates go up and down regularly. Even if you think you had the lowest rates a year ago you will most likely find a better rate today. You can find a lot of wrong information about car insurance on the internet, so I’m going to show you a lot of great tips on how to reduce your car insurance bill.

This information will tell you how car insurance quotes work. If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. But Iowa car owners can benefit from knowing the way companies determine prices because it can help you find the best coverage.

Cut your car insurance rates with discounts

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. Most are applied at quote time, but lesser-known reductions have to be manually applied prior to getting the savings.

• Life Insurance – Larger companies have a break if you buy life insurance from them.
• Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
• Service Members Pay Less – Being on active duty in the military could mean lower rates.
• Government Employees – Simply working for the federal government can earn a discount up to 10% with certain companies.
• Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
• Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted rates on garaged vehicles.
• Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
• Multiple Policy Discount – When you have multiple policies with one company you may save at least 10% off all policies.
• E-sign – A few companies give back up to $50 simply for signing digitally online.

Keep in mind that most credits do not apply the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will cut your overall premium however.

To see a list of companies who offer car insurance discounts in Muscatine, follow this link.

Automobile Insurance Quotes in Muscatine

When shopping for car insurance there are multiple ways of comparing price quotes and find the best price. The best way to compare insurance prices is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

Probably the best way to find low rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do multiple quote forms for each company. One form submission will get you rate comparisons instantly.

A different way to get comparison quotes requires visiting each individual company website to request a price quote. For instance, let’s assume you want to compare rates from Auto-Owners, Progressive and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Muscatine, click here.

It’s up to you how you get prices quotes, just compare identical coverages for every quote you compare. If the quotes have unequal deductibles or liability limits it’s impossible to determine the lowest rate in Muscatine. Just a small difference in coverages may result in large price differences. And when comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding a better price.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get better car insurance rates.

Listed below are a partial list of the pieces that factor into your rates.

• More claims means more premium – Companies in Iowa generally give cheaper rates to people who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• How your age affects price – More mature drivers are more responsible, tend to file fewer claims and are safer drivers. Young drivers are known to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
• Big city or small town – Being located in small towns and rural areas has it’s advantages when talking about car insurance. Lower population translates into fewer accidents and a lower car theft rate. Drivers who live in large Iowa cities have congested traffic and a longer drive to work. More time commuting means higher likelihood of an accident.
• Multiple policies with one company can save – Some insurers give discounts to policyholders who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money.

Drivers who switch save $492 a year? Really?

Companies like Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. All the ads make the same claim of big savings if you move to them. How can each company make the same claim? This is how they do it.

Insurance companies can use profiling for the type of customer that makes them money. A good example of a desirable insured might be a mature driver, owns a home, and drives newer vehicles. A customer who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who fall outside these standards will be charged higher rates which usually ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can make the claims of big savings.

That is why you need to get as many quotes as possible. It’s impossible to know the company that will provide you with the cheapest rates.

Keep this in mind

In this article, we covered quite a bit of information on how to shop for car insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the best prices are with an unexpected company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

Budget-conscious car insurance can be found online and also from your neighborhood Muscatine agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Much more information about car insurance in Iowa is available on the website for the Iowa Insurance Division through this link. Iowa drivers can find a variety of consumer forms, find out industry alerts, and learn about insurance regulations.

Also read more on NAIC.org’s Understanding your Policy and this link which helps you find a Muscatine agent.