Professional Tips to Saving Money on Ankeny Iowa Car Insurance

Saving money on Ankeny car insurance can seem to be nearly impossible for consumers new to comparing rates online. You have so many options that it can easily become a lot of work to find the best price in Ankeny.

It’s smart to compare rates yearly since rates change regularly. Just because you had the best rates six months ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to get good coverage at a lower rate.

Low Cost Ankeny Car Insurance

There are several ways of comparing rate quotes from different in Ankenyinsurance companies. The fastest way to compare insurance prices is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  • The single most time-saving way to get the best comparison quotes is a comparison rater form (click to open form in new window). This method saves time by eliminating separate quotes to each individual car insurance company. One quote request compares rates . It’s definitely the quickest method.
  • Another way to shop for car insurance online requires a trip to each company website and complete a new quote form. For instance, let’s assume you want comparison quotes from GEICO, Allstate and State Farm. You would have to go to every website and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in Ankeny, click here.
  • The most time-consuming way to get comparison rates is to waste gas driving to and from local Ankeny insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice of a licensed agent. It is possible to get prices online and still use a local agent and we’ll cover that in a bit.

However you get your quotes, double check that you are using the exact same coverages for each price quote. If you enter mixed coverages you can’t possibly find the best deal in Ankeny. Slightly different coverages could mean much higher rates. Keep in mind that comparing a large number of companies helps you find a better price.

Cut your premium with discounts

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but some must be asked about before you get the savings.

  • Accident Free – Good drivers with no accidents pay much less when compared with bad drivers.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

Keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will help reduce your overall premium however.

Do I just need basic coverages?

When choosing the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions may help you determine if you might need an agent’s assistance.

  • Do I need PIP coverage since I have good health insurance?
  • What happens if I owe more than my vehicle is worth?
  • Do I need higher deductibles?
  • Does my vehicle qualify for pleasure use?
  • Am I covered if I crash into my own garage door?
  • Should I buy more coverage than the required Iowa minimum liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When would I need additional glass coverage?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Additional information can be read on the Iowa Insurance Division website through this link. Iowa consumers can find out industry alerts, find disaster information, and read enforcement actions against agents and companies.