Learn How to Lower Your Premiums for Bettendorf Car Insurance

Overwhelmed by the number of car insurance company choices in Bettendorf? You’re not alone. There are so many options available that it can be more work than you anticipated to find the perfect company for you.

Compare the Market for Car Insurance in Bettendorf, Iowa

Effectively comparing car insurance prices can take hours if you don’t know the easiest way. You can waste a few hours (or days) driving to insurance agencies in Bettendorf, or you can stay home and use the web to get pricing more quickly.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit one quote, and each company returns a competitive quote based on the submitted data. This system prevents you from having to do quotation requests to every company.

To compare rates now click here to start a free quote.

The only drawback to pricing coverage this way is buyers cannot specifically choose which providers to receive prices from. So if you want to choose individual companies to compare, we have a page of companies who write car insurance in Iowa. View list of Iowa insurance companies.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverage limits and deductibles with every price quote. If the quotes have higher or lower deductibles it will be next to impossible to truly determine the lowest rate in Bettendorf. Just a small difference in coverage limits can mean a large discrepancy in price. It’s important to know that quoting more helps you find the best offered rates.

Don’t miss out on these money-saving discounts

Car insurance companies don’t always advertise every available discount very clearly, so here is a list both the well known and the harder-to-find car insurance savings.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more than less cautious drivers.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to bad drivers.
  • Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates when shopping for car insurance.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.

Consumers should know that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Different people need different coverages

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions might point out whether or not you may require specific advice.

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  • Does my personal auto insurance policy cover using my vehicle for business use?
  • How high should my uninsured/underinsured coverage be in Iowa?
  • When does my teenage driver need to be added to my policy?
  • When do I need to add a new car to my policy?
  • Am I covered if I wreck a rental car?
  • Exactly who is provided coverage by my policy?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Additional detailed information can be found at the Iowa Insurance Division website. Visitors are able to download brochures, learn about specific coverages, and find out industry alerts.

Additional helpful sites include Auto Insurance 101 and this page on QuoteClickInsure.com.