Learn How to Pay Less for Davenport Auto Insurance

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us, you are not the only one feeling buyer’s remorse. Drivers have so many auto insurance companies to insure vehicles with, and though it is a good thing to have a selection, lots of choices makes it harder to adequately compare rates.

It is always a good idea to shop coverage around before your policy renews since rates tend to go up over time. Just because you found the best deal a few years ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because you’re about to learn one of the easiest ways to find lower rates on auto insurance.

The purpose of this post is to teach you how car insurance quotes work and some tricks to saving. If you have car insurance now, you will most likely be able to save some money using this information. Iowa drivers just need to understand the tricks to compare company rates over the internet.

Save money by taking advantage of these discounts

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Most are applied when you get a quote, but some must be asked about before being credited. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Driver Safety – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.

Keep in mind that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous. But all discounts will help reduce your overall premium however.Davenport Iowa insurance prices

How to Compare Auto Insurance Costs in Davenport

There are a lot of ways to compare auto insurance prices and some are less time-consuming than others. You can waste a few hours (or days) talking to insurance companies in Davenport, or you can stay home and use the web to get rates in a matter of minutes.

Most of the best insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and every company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for.

To get comparison pricing now click to open in new window.

One minor caviat to using this type of form is you are unable to specify which companies you want pricing from. So if you want to select specific providers to compare prices, we have a listing of companies who write auto insurance in Iowa. Click to view list.

It’s up to you which method you use, but compare apples-to-apples coverage limits and deductibles on every quote you get. If your comparisons have mixed coverages it’s not possible to truly determine the lowest rate in Davenport.

Davenport insurance comparisons

Buy online or local, you save

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced comprehensive coverage or liability limits and learned later that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Throughout this article, we presented many tips how you can shop for auto insurance online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the most savings is with the least-expected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.