Nearly everyone who drives a car in Iowa wants cheap car insurance, and if they don't, they should!
The good news is that there are a few easy steps you can take to keep the price of your car insurance as low as possible. You should take these steps even before you go online and start comparing policies and prices to find the best deal.
For instance, in Iowa, how you drive can have a big effect on how much you pay each month for car insurance. If you speed or drive recklessly often and get a ticket for any moving violation, your car insurance rates will probably go up.
If you drive while drunk or high and get a DUI or DWI, your car insurance rates will go through the roof. If you are found guilty of this kind of crime a second time, you may not be able to get insurance at all.
If you have insurance for your home, your health, or anything else with the same company, ask your agent if you can get a discount on your car insurance.
Ask about a Long-Term Discount on your monthly premiums if you have been with the same company for at least 5 years.
Do you park your car at night in a garage? If so, you should get a discount on your monthly premium.
Do you drive less than 500 miles a month? If so, talk to your agent about getting a discount for having low mileage.
If you are over 55, and you take and pass a special driver's refresher course, you could get a big discount. This discount is not offered by every insurance company, so be sure to ask.
Talk to your insurance agent before you buy a new car. When it comes to how much it costs to insure a new car, not all cars are created equal. It would be a shame to fall in love with one model only to find out that the monthly insurance cost is too high for you.
If you're under 25, you're automatically put in a high-risk group, and your premium will be higher than if you were older. One way to solve this problem is to stay in school and get at least a "B" average. If you do this, you can get a Good Student Discount of about 5 percent on your car insurance.
Do you drive an old car that isn't worth much, if anything, on the Kelly Blue Book? If so, you should know that paying for collision or comprehensive insurance could be a waste of money since your insurance company won't pay you anything for your car no matter how long you've paid your premiums.
How much is your deductible? The higher your deductible, the less you'll have to pay each month in premiums. But think carefully before making your deductible too high, since you will have to pay this amount out of pocket before your insurance company will pay for a claim.
Now that you know how to set up an auto insurance policy to get the best rates, it's time to go online and put this information into at least 3 websites that let you compare auto insurance policies and prices from different insurance companies side by side.
Don't cut corners on this. It's easy to think that you can compare everything on one website, but no website compares all of the different insurance companies in Iowa. If you want to make sure you're getting the cheapest car insurance online in Iowa, you'll need to compare prices on at least 3 different sites.
