Is Your Des Moines, IA Car Insurance Too High? Save with These Tips

Nobody I know likes having to buy car insurance, in particular when they are paying too much.

Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company and uncover the absolute best rates possible.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Buying car insurance in Des Moines is easy if you know what you’re doing. Nevertheless, Iowa consumers must understand how companies sell online and use this information to your advantage.

Discounts are basically free money

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so we break down some of the more common and the more hidden discounts you could be receiving.

• No Accidents – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
• Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
• E-sign – Certain companies will give a small break simply for signing over the internet.
• Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
• Driver’s Ed – Require your teen driver to complete a driver education course in high school.
• Federal Employees – Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.

It’s important to understand that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

To choose providers with the best car insurance discounts in Des Moines, click this link.

Comprehensive Des Moines Car Insurance Comparison Quotes

Most major insurance companies like State Farm and Allstate quote coverage price quotes on their websites. The process is pretty easy as you just enter your coverage information into a form. After you complete the form, their system obtains your credit score and driving record and returns a price quote based on these factors. Quoting online simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find better car insurance pricing.

A quicker way to compare rates uses one simple form that analyzes rates from several different companies. It saves time, reduces the work, and makes comparison shopping a little more enjoyable. Once the form is submitted, it gets priced with multiple companies and you can pick any of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and can result in significant savings.

To quickly find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you input the insurance coverages identical to your current policy. Using the same limits helps guarantee you are getting rate quotes for exact coverage.

Shop smart and save

Budget-conscious car insurance is available on the web and also from your neighborhood Des Moines agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We just showed you a lot of information how to save on car insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest priced car insurance comes from a small mutual company. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.