Learn How to Lower Your Premiums for Clive, IA Auto Insurance

Are you a victim of high-priced auto insurance? Trust us when we tell you there are a lot of people in Clive just like you who feel imprisoned by their auto insurance policy.

Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with TV and radio ads and consumers find it hard to sift through the bull and find the best price available.

It’s important to shop coverage around occasionally since rates change regularly. Just because you found the lowest price a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to lower your rates without sacrificing coverage.

Why your price might be higher

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the items that factor into prices.

• Do you qualify for a multi-policy discount? – The majority of auto insurance companies provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
• Lower rates come with age – Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Young drivers tend to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.
• Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and lower rates for you.
• Don’t cancel a policy without a new one in place – Letting your insurance expire is a guaranteed way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance can result in a steep fine or even jail time.

Free Clive Auto Insurance Quotes

There are several ways to compare rate quotes from local in Clive, Iowaauto insurance companies. The easiest way by far to find the cheapest insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

The best way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for separate quotes for each company you want a rate for. Taking the time to complete one form gets rate comparisons .

Another way to obtain and compare quotes online is spending the time to visit the website for each individual company and complete a new quote form. For sake of this example, let’s say you want to compare Progressive, State Farm and Liberty Mutual. You would have to go to every website and enter your information, and that’s why the first method is more popular.

For a list of links to insurance companies in Clive, click here.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same information with each company. If each company quotes different deductibles it will be impossible to make a fair comparison in Clive. Just a small difference in limits can result in a big premium difference. It’s important to know that quoting more helps locate better pricing.

Don’t miss these discounts

Auto insurance companies don’t list every available discount in a way that’s easy to find, so here is a list some of the best known and the more hidden discounts you could be receiving.

• Seat Belt Usage – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
• Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
• Own a Home – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
• Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
• Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accident claims.
• Low Mileage Discounts – Keeping the miles down could be rewarded with a substantially lower rate.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.

It’s important to note that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of insurance companies offering auto insurance discounts in Iowa, click here.

Even more information can be read at the Iowa Insurance Division website. Iowa drivers can find out industry alerts, learn about insurance regulations, and report car insurance fraud.

Also read more on Wikipedia and this page for help finding agents in Clive, IA.

Smart consumers save more

As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.

Throughout this article, we presented many ideas to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even find the biggest savings come from the smaller companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

Low-cost auto insurance is available on the web and also from your neighborhood Clive agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and these small, regional companies work with independent agents.