Is Your West Des Moines, IA Auto Insurance Costing Too Much?

Paying for high-priced auto insurance can overdraw your checking account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every company to find the absolute best price available.

It’s a good habit to compare prices quite often due to the fact that insurance rates trend upward over time. If you had the lowest rates a year ago you can probably find a better price now. There is a lot of wrong information about auto insurance online, so with this article, you’re going to get some great ways to stop overpaying for insurance.

These discounts can slash auto insurance rates

Auto insurance companies don’t list all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find auto insurance savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Paperwork-free – Some insurance companies give back up to $50 simply for signing over the internet.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Quick West Des Moines Auto Insurance Quotes

Shopping for lower auto insurance rates can take hours if you don’t understand the best way to get rate quotes. You can waste a lot of time discussing policy coverages with agents in West Des Moines, or you can stay home and use online quoting for quick rates.West Des Moines IA car insurance quote

Many of the larger companies participate in a marketplace where insurance shoppers submit one quote, and every company then returns a price quote for coverage. This saves time by eliminating form submissions for every auto insurance company.

To access this free quoting program, click here to start a free quote.

One minor caviat to getting quotes like this is you can’t choose the providers to receive prices from. If you would rather choose specific providers to compare prices, we have a page of low cost auto insurance companies in Iowa. View list of Iowa insurance companies.

Whichever method you choose, make absolute certain that you use identical information for each price quote. If your comparisons have different liability limits you will not be able to make a fair comparison in West Des Moines.

When might I need help?

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

West Des Moines IA car insurance quote

  • Are split liability limits better than a combined single limit?
  • Does my car insurance cover rental cars?
  • Am I covered if I crash into my own garage door?
  • Should I buy only the required Iowa minimum liability coverage?
  • Does my insurance cover my expensive audio equipment?
  • Does having multiple vehicles earn me a discount?
  • When should I not file a claim?
  • Am I covered when using my vehicle for business?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

What is YOUR best insurance company?

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone sacrificed collision coverage only to discover later they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price.

Lower-priced auto insurance is possible from both online companies in addition to many West Des Moines insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.