Is Your Urbandale, IA Car Insurance Too High? Here is How to Save Money

Nobody I know cherishes buying car insurance, in particular when they are paying too much. Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a provider to find the absolute best price available.

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Choosing the best insurance company for you in Urbandale is not rocket science. Iowa consumers just need to learn the most efficient way to shop their coverage around online.

Free Urbandale Car Insurance Quotes

Most companies provide coverage prices on their websites. Getting quotes is quite easy as you simply type in as requested by the quote form. When the form is submitted, their system makes automated requests for your credit score and driving record and returns a price. This streamlines rate comparisons, but the process of having to visit several different sites and type in the same information can be a bit repetitive. But it’s very important to get many rate quotes if you want to find the best price possible.

The easy way to compare rates

A more efficient way to find better car insurance pricing makes use of a single form that gets prices from several companies at one time. It’s a real time-saver, reduces the work, and makes online shopping much easier. Once the form is submitted, your coverage is rated and you can choose any one of the quotes returned.

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 takes less than 15 minutes and may save quite a bit of money.<img class="alignright" style="padding-top:15px;" src="" alt="Urbandale Iowa auto insurance“/>

To quickly find out how much you’re overpaying now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you copy coverages and limits identical to your current policy. Doing this assures you will receive an apples-to-apples comparison for the exact same coverage.

Cut your car insurance rates with discounts

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but some may not be applied and must be manually applied before you get the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Organization Discounts – Participating in a qualifying organization could qualify you for a break when buying car insurance.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less than less cautious drivers.
  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Save over 55 – Mature drivers may receive reduced rates.
  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way. Any amount of discount will reduce the cost of coverage.

For a list of insurers who offer car insurance discounts in Urbandale, click here.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out if your insurance needs may require specific advice.

  • What is high-risk coverage and where do I buy it?
  • Which companies will insure high-risk drivers?
  • What happens if I owe more than my vehicle is worth?
  • Do I need motorclub coverage?
  • Should I buy more coverage than the required Iowa minimum liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should my uninsured/underinsured coverage be in Iowa?
  • What if I don’t agree with a claim settlement offer?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

car insurance image

Additional information is located on the website for the Iowa Insurance Division located here. Iowa drivers can read industry bulletins, file complaints about an insurance agent or broker, and view agent and company licensing information.

And the best car insurance company is…

We just presented many ways to get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

The cheapest car insurance is attainable both online and with local Urbandale insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.