6 Guaranteed Methods to Lower Auto Insurance Costs in Clive, IA

Finding lower premiums on Clive auto insurance is always difficult for consumers not familiar with shopping for insurance online. There are so many companies to choose from that it can quickly become a real challenge to find lower rates in Clive.

You should take the time to compare prices at least once a year because prices tend to go up over time. Despite the fact that you may have had the best price two years ago a different company probably has better rates today. There is too much inaccurate information about auto insurance on the internet, so I’m going to show you the best ways to put money back in your pocket.

Finding the best rates in Clive is quite easy. If you are insured now or need new coverage, you can use these tips to find better prices and still get good coverage. Iowa drivers just need to learn how to buy auto insurance over the internet.

Clive Auto Insurance Quote Comparison

Comparing auto insurance rates can be a daunting task if you aren’t aware of the easiest way. You can waste hours talking to local insurance agents in Clive, or you can utilize online quotes to achieve your goal.

Many insurance companies belong to an insurance system that allows shoppers to submit one quote, and at least one company then returns a price quote for coverage. This eliminates the need for quote forms to each company.

To participate in this free quote system, click to open in new window.

The one downside to getting quotes like this is you are unable to specify which insurance companies you want pricing from. If you would rather choose from a list of companies to compare rates, we have a page of the cheapest auto insurance companies in Iowa. Click here for list of insurance companies in Iowa.

It’s up to you which method you use, but be sure to compare identical coverages for every company. If you enter mixed coverages it will be next to impossible to truly determine the lowest rate in Clive.

Do you qualify for these six discounts?

Companies don’t necessarily list every available discount very well, so we took the time to find some of the more common and the more hidden auto insurance savings. If you don’t get every credit you deserve, you are throwing money away.

• Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
• Accident Free – Claim-free drivers can earn big discounts as compared to bad drivers.
• Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
• Own a Home – Owning a house in Clive can save you money because owning a home is proof that your finances are in order.
• Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurers with the best auto insurance discounts in Clive, click this link.

When should I talk to an agent?

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

• Does my personal auto insurance policy cover using my vehicle for business use?
• What is high-risk coverage and where do I buy it?
• Where can I get insurance after a DUI in Iowa?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my vehicle covered for flood damage?
• Why am I required to get a high-risk car insurance policy?
• Are my tools covered if they get stolen from my vehicle?
• How many claims can I have before being cancelled?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Specific coverages

Knowing the specifics of auto insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (20/40/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, a broken windshield, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills like prosthetic devices, funeral costs, doctor visits, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

This coverage protects you from injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as loss of income, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Iowa state minimum liability requirements are 20,000/40,000/15,000 but drivers should carry more liability than the minimum.

Collision coverage protection

Collision insurance covers damage to your vehicle from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, colliding with a tree, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Additional Iowa consumer information

More detailed Iowa auto insurance information can be found at the Iowa Insurance Division website. Visitors are able to view a list of available companies, read industry bulletins, file complaints about a company, and learn about insurance regulations.