The state of Iowa says you don't have to buy car insurance if you have never been in an accident and have enough money in the bank to cover medical costs and damage to other people's property if you are in an accident.
Of course, how many of us have the money to cover any accident we might be in? Not many.
Because of this, the vast majority of drivers in Iowa want to know how to get the best deals on car insurance. And luckily, there are a lot of tips and tricks that almost any driver can use to save money on car insurance every month.
First, let's take a look at your record as a driver. Here is where some drivers go wrong the most. If you want to get good car insurance rates, you need to have a clean driving record. If you have a ticket for speeding or another moving violation, you will probably pay more for car insurance than someone with a clean record.
If you have been convicted of DUI (Driving Under the Influence) or DWI (Driving While Intoxicated), you will almost certainly have to pay a much higher premium for the right to drive. And if you get a second DUI or DWI conviction, you'll probably have to get insurance through the high-risk pool, which has prices that are truly out of this world.
If you're under 25, you already know how expensive insurance is for you. One way to lower them is to stay in school and keep a grade point average of at least 3.0. If you do this, you'll get a Good Student Discount that will save you about 5% on your car insurance every single month.
How long have you been with the same insurance company? Ask your agent if there is a Long-Term Discount you can get.
Do you have more than one insurance policy with the same company? If so, you could get a discount for having more than one policy.
If you are 55 or older, you may be able to take a special course to brush up on your driving skills. If you pass, you could save up to 10 or 15 percent on your monthly premium. Ask your agent if this is something your insurance company does.
You only drive a few miles a week, right? Maybe just to and from the grocery store? Maybe once a month to see the doctor? If that's the case, you might be eligible for a Low-Mileage Discount.
At night, do you put your car in a garage? If so, you should ask your agent about a discount for having your car in a garage.
Do you drive an older car that may not have any Kelly Blue Book value anymore? If this is the case, paying for collision or comprehensive insurance is a waste of money. If you get into an accident, your insurance company won't pay you more than your car's Kelly Blue Book value. Ask your agent if you should keep paying for this insurance.
How much does your deductible cost? The lower your monthly premium, the more you can pay if you have a claim and the less your insurance company will have to pay.
Now that you know how to make a cheap car insurance policy, you should go online and find at least 3 websites that let you compare prices from different insurance companies.
Don't fall into the trap of thinking that you only need to compare on one website. No website compares all of the insurance companies in Iowa. If you're serious about getting the best deal on car insurance in Iowa, you'll need to compare prices on at least three different sites.
Once you've done that, you'll know for sure that you've found the best deal possible and gotten the best rates on your car insurance.
