Compare Muscatine, IA Car Insurance for the Lowest Rate With These Tips

Overwhelmed by the crazy number of car insurance choices in Muscatine? Many other consumers are too. Consumers have so many choices that it can easily become more work than you anticipated to find the lowest price.

Consumers should take time to compare rates before your policy renews since rates go up and down regularly. Just because you had the best rates last year a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you’re about to find out how to quote online to lower your rates without sacrificing coverage.

The purpose of this article is to tell you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Iowa consumers only need an understanding of the tricks to shop over the internet.

Tips to Get Lower Muscatine Rates

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for car insurance. Knowing what determines base rates helps enable you to make changes that will entitle you to lower car insurance prices.

Shown below are some of the items that factor into prices.

  • Your location is important – Being located in a rural area is a positive aspect when it comes to car insurance. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Multiple policies with one company can save – Many car insurance companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to shop around to make sure you are getting the best deal.
  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets such as reckless driving.
  • Your credit rating is important – Credit rating is a large factor in determining what you pay for car insurance. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit ratings. If your credit score can use some improvement, you could potentially save money when insuring your by improving your rating.
  • Pay less if you’re married – Having a wife or husband helps lower the price on your car insurance policy. Having a significant other means you’re more responsible and statistics show married couples file fewer claims.

How to Get Cheap Car Insurance in Muscatine, Iowa

Lowering your car insurance rates is surprisingly easy. You just need to take time getting comparison quotes online with multiple companies. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form saves time by eliminating multiple quote forms for each company. In just a few minutes this one form gets you price quotes from several companies. This is perfect if you don’t have a lot of time.
  • A more difficult way to obtain and compare quotes online requires a visit to the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want rates from USAA, Liberty Mutual and Progressive. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in Muscatine, click here.

However you get your quotes, ensure you’re using the exact same coverage limits on every quote you get. If your comparisons have mixed coverages it will be next to impossible to find the best deal in Muscatine.

Is there truth in advertising?

Consumers can’t get away from ads for the lowest price auto insurance from companies such as Allstate and Progressive. They all seem to say the same thing that you can save if you move your policy.<img class="alignright" style="padding-top:15px" src="" alt="Muscatine insurance quotes” />

How can each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of driver that is profitable for them. A good example of a driver they prefer could possibly be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. A propective insured that hits that “sweet spot” will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for these standards will be quoted higher prices which usually ends up with the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently advertise the savings.

This emphasizes why drivers must get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Most are applied at the time of quoting, but less common discounts must be manually applied before you get the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Defensive Driver – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts of more than 20%.

Keep in mind that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will cut your premiums.

To see a list of providers who offer car insurance discounts in Muscatine, click here.

Muscatine IA insurance prices

Much more information about car insurance in Iowa is available on the Iowa Insurance Division website located here. Iowa consumers can download brochures, discover disciplinary actions, and view agent and company licensing information.

More effort can pay off

We covered a lot of tips how to lower your car insurance rates. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best prices are with the smaller companies.

Insureds switch companies for a number of reasons such as policy non-renewal, an unsatisfactory settlement offer, being labeled a high risk driver or even extreme rates for teen drivers. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

Affordable car insurance can be purchased online in addition to many Muscatine insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.