Methods for Paying Less for West Des Moines Car Insurance Rates

If online car insurance comparisons are new to you, it’s easy to be confused by the sheer number of companies offering coverage in West Des Moines.

How to Compare West Des Moines Car Insurance Costs

Performing a rate comparison can take hours if you don’t understand the easiest way. You can spend your afternoon talking to insurance companies in West Des Moines, or you could use the internet to get pricing more quickly.

Most car insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each participating company returns a rated price based on that information. This saves time by eliminating form submissions for every car insurance company.

To compare rates using this form now click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify which insurance companies you want to price. So if you want to choose from a list of companies for rate comparison, we have a listing of companies who write car insurance in Iowa. Click here to view list.

Which method you use is up to you, but be sure to compare apples-to-apples information with each company. If you use different values for each quote then you won’t be able to truly determine the lowest rate in West Des Moines. Slightly different coverages could mean much higher rates. And when price shopping your coverage, more quotes will enable you to find better pricing.

Take advantage of discounts

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden discounts you could be receiving.

• Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.
• Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
• Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
• Own a Home – Simply owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
• Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates on your policy.
• Accident Free – Good drivers with no accidents can earn big discounts when compared with frequent claim filers.

Keep in mind that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of insurers who offer car insurance discounts in West Des Moines, click here.

How to know if you need help

When buying coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

For example, these questions might point out if your insurance needs might need professional guidance.

• What is covered by UM/UIM coverage?
• Do I need roadside assistance coverage?
• When do I need to add a new car to my policy?
• Why am I required to buy high-risk coverage?
• How can I get high-risk coverage after a DUI?
• Am I covered if I crash into my own garage door?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is business property covered if stolen from my car?
• Do I have coverage when using my vehicle for my home business?
• Should I have combined single limit or split liability limits?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Learn more about Iowa car insurance

Even more information is available at the Iowa Insurance Division website. Iowa consumers can download brochures, find out which companies have the most complaints, read enforcement actions against agents and companies, and get help finding coverage.