How to Know You’re Spending Too Much for Car Insurance in Davenport Iowa

Having to pay for overpriced car insurance can overdraw your bank account and make it impossible to make ends meet. Comparison shopping is a smart way to cut your insurance bill.

Because you have many choices of insurance companies, it can be challenging to pick the lowest cost company.

It is always a good idea to get comparison quotes periodically due to the fact that insurance rates change quite often. Even if you got the best deal a couple years back the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about car insurance because you’re going to learn the fastest way to save money, get proper coverage and the best rates.

Buying affordable car insurance in Davenport can be fairly easy. Just about everyone who shops for car insurance will more than likely be able to save money. Although Iowa drivers can benefit from knowing how big insurance companies price online insurance and use this information to your advantage.

Davenport Car Insurance Quote Comparison

Effectively comparing car insurance prices can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Davenport, or you could save time and use online quoting to get rates in a matter of minutes.

Most major companies take part in a program where prospective buyers enter their coverage request one time, and every company provides a quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

One minor caviat to comparing rates this way is that you can’t choose which providers to get quotes from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of car insurance companies in Iowa. View list of Iowa insurance companies.

However you get your quotes, make absolute certain that you use apples-to-apples coverages and limits on every quote you get. If your comparisons have differing limits then you won’t be able to truly determine the lowest rate in Davenport. Quoting even small variations in limits could mean much higher rates. Just remember that obtaining a wide range of quotes helps locate better pricing.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

• High deductibles save money – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The higher the amount you have to pay, the less your car insurance will be.
• Your job and insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations like real estate brokers, architects and accountants tend to have higher rates than average in part from job stress and lots of time spent at work. On the flip side, occupations such as pilots, athletes and performers receive lower rates.
• Careful drivers pay lower rates – Just one moving violation can boost insurance rates by as much as thirty percent. Careful drivers get better rates than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
• Rural vs Urban Areas – Being located in a rural area can save you money when buying car insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large Iowa cities tend to have traffic congestion and longer commute times. Longer commute distances can result in more accidents.
• Policy add-ons can waste money – There are a lot of additional coverages that you can buy when buying car insurance. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don’t need them get rid of them and save.

Don’t overlook these discounts

Car insurance is not cheap, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but some must be asked about prior to receiving the credit.

• Clubs and Organizations – Being a member of certain professional organizations may earn a discount when shopping for car insurance.
• Senior Discount – Older drivers can possibly qualify for a small decrease in premiums.
• Sign Online – A handful of insurance companies will give a small break for buying your policy online.
• Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
• Employee of Federal Government – Simply working for the federal government can save as much as 8% with a few car insurance companies.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.

Consumers should know that most discounts do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Cheaper insurance is a realistic goal

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many instances, someone dropped uninsured motorist or liability limits and learned later that it was a big mistake. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.

You just learned many tips how you can compare car insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

Discount car insurance is possible both online in addition to many Davenport insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

For more Iowa car insurance information

More information is located on the website for the Iowa Insurance Division through this link. Consumers can file complaints about a company, view agent and company licensing information, and discover disciplinary actions.