Pay Less for Marshalltown Iowa Car Insurance Rates in Five Minutes

I can’t think of a single person who enjoys paying for car insurance, especially when their premiums are too high. Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute best rate

It’s important to price shop coverage before your policy renews since insurance rates trend upward over time. Just because you had the best price six months ago you can probably find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so I’m going to show you some guaranteed methods to quit paying high car insurance rates.

How to Get Car Insurance in Marshalltown, IA

Finding cheaper car insurance prices can be surprisingly simple. The only requirement is to take the time getting comparison quotes from different insurance companies. This can be accomplished in a couple of different ways.

  • The fastest way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing repetitive form entry for each company. Just one form will return quotes .
  • A harder way to find lower rates is to take the time to go to the website of each company to request a price quote. For sake of this example, let’s say you want to compare rates from Auto-Owners, GEICO and Progressive. To get each rate you have to go to every website to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in Marshalltown, click here.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples quote information for each comparison quote. If your comparisons have different deductibles it will be next to impossible to decipher which rate is best in Marshalltown.

How much can you save with discounts?

Companies offering auto insurance do not list all available discounts very clearly, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Defensive Driver – Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.

It’s important to note that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurers offering car insurance discounts in Marshalltown, click here to view.

How much car insurance do I need?

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Do I need higher deductibles?
  • Am I getting all the discounts available?
  • Am I covered when driving a rental car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving in Canada or Mexico?
  • Do I need rental car coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Informed Drivers can Cut Their Rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

The list below includes some of the factors used by your company to calculate rates.

insurance quote Marshalltown IA

  • The more you drive the more you pay – Driving more miles in a year’s time the higher your rate. Most companies apply a rate based upon how you use the vehicle. Cars that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your car insurance coverage is rated on the proper vehicle usage.
  • How credit affects car insurance rates – A driver’s credit rating is a huge factor in determining your rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit. Therefore, if your credit score can use some improvement, you could pay less to insure your by repairing your credit.
  • Claim-free discounts can add up – Auto insurance companies in Iowa generally give better rates to insureds who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Performance influences rates – The type of vehicle you drive makes a substantial difference in determining your rates. The lowest base rates tend to be for economy passenger cars, but there are many factors that impact the final cost.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you.
  • Marriage brings a discount – Having a wife or husband helps lower the price when buying car insurance. It is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
  • Big city or small town – Choosing to live in less populated areas can be a good thing when insuring your vehicles. Less people living in that area means reduced accidents. Drivers in populated Iowa areas regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.

Smart shoppers get results

Discount car insurance is available on the web and also from your neighborhood Marshalltown agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There have been many cases where an insured cut uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Informative consumer insurance sites

Additional detailed information can be read at the Iowa Insurance Division website. Iowa consumers can view a list of available companies, read industry bulletins, get help finding coverage, and discover disciplinary actions.