Tightwads Guide for Saving on Newton Iowa Auto Insurance

Have you fallen victim to an overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Online insurance companies like State Farm, GEICO and Farmers Insurance constantly bombard you with ads and it is challenging if not impossible to sift through the bull and find the best price available.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Buying car insurance in Newton is easy if you know what you’re doing. Iowa drivers only need an understanding of the tricks to compare prices on the web.

Fast and Easy Newton Auto Insurance Quotes

Reducing your insurance rates is not rocket science. Drivers just need to take a few minutes comparing rates online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating separate quotes for each company. Filling out one form will return quotes instantly.
  2. A harder way to obtain and compare quotes online is going to each company’s website to complete a price quote. For examples sake, we’ll assume you want comparison quotes from Allstate, Safeco and Farmers. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method.

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

It’s your choice how you get your quotes, but make absolute certain that you use the exact same deductibles and coverage limits for every company. If the quotes have different values for each quote it will be impossible to make an equal comparison in Newton.

These discounts can slash auto insurance rates

Companies don’t always list every discount very clearly, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit possible, you are paying more than you should be.

  • New Car Discount – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Homeowners Pay Less – Owning a home in Newton can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Keeping the miles down could be rewarded with a substantially lower rate.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

To choose insurers who offer auto insurance discounts in Newton, click here to view.

When might I need the advice of an agent?

When choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • How much underlying liability do I need for an umbrella policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my personal policy cover me when driving my company car?
  • What are the best liability limits?
  • Is my vehicle covered for smoke damage?
  • Why am I required to get a high-risk car insurance policy?
  • Should I rate my vehicle as pleasure use or commute?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Additional detailed information can be found at the Iowa Insurance Division website. Iowa consumers can view agent and company licensing information, file complaints about a company, and find out which companies have the most complaints.

The following information may also be useful.

Cheaper insurance is a realistic goal

You just read many ways to reduce auto insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Some small companies often have lower prices on specific markets compared to the large companies like Progressive or GEICO.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, someone sacrificed full coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.