Tested Techniques for Low-Cost Urbandale Car Insurance

Finding lower rates for Urbandale car insurance is always nearly impossible for people who are new to comparing rates online. There are so many choices that it can easily become a big hassle to find the best price in Urbandale.

Urbandale Rates are Influenced by These Factors

It’s important that you understand the different types of things that help determine car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The following are some of the items used by your company to calculate prices.

  • How many coverages with the same company – The majority of companies give discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to shop around to make sure you are getting the best deal.
  • Sex matters – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like DUI and reckless driving.
  • Extra add-on coverages are wasting money – There are many extra coverages that you can buy when buying car insurance. Insurance for roadside assistance, towing coverage and term life insurance are some examples. These coverages may sound good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Pleasure use saves money – The higher the mileage driven each year the more you will pay for car insurance. Almost all companies charge to insure your cars based on how the vehicle is used. Cars that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle.

You probably qualify for some discounts

Auto insurance companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find car insurance savings.

  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy over the internet.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Homeowners Discount – Owning a house in Urbandale may trigger a car insurance policy discount because maintaining a house requires personal responsibility.

It’s important to note that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, you’re out of luck.

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

Quote online but work with a neighborhood agent

A small number of people would rather buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is you can get lower rates but still work with a licensed agent.

Upon completion of this simple form, your information is immediately sent to companies in Urbandale who will return price quotes for your insurance coverage. You never need to visit any agencies because quoted prices will be sent to the email address you provide. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.

Deciding on an insurer should depend on more than just the price. These are valid questions to ask:Urbandale IA insurance prices

  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they feel the quoted coverages are adequate?
  • Are claims handled at the agent’s location?
  • What are the financial ratings for the companies they represent?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • How are claims handled?
  • How often do they review policy coverages?
  • How much can you save by raising your physical damage deductibles?

Below is a short list of insurance companies in Urbandale that are able to give price quotes.

  • Brooks-Lussem Insurance Inc – 10546 Justin Dr, Urbandale, IA 50322 – (515) 243-4289
  • State Farm Insurance – 2955 100th St, Urbandale, IA 50322 – (515) 278-8882
  • Allstate Insurance – 8515 Douglas Ave # 17, Urbandale, IA 50322 – (515) 278-4681
  • Jonathan Augspurger Agency – 10621 Justin Dr, Urbandale, IA 50322 – (515) 276-5084
  • Craighton Insurance – 4102 69th St, Urbandale, IA 50322 – (515) 270-1561

To view a complete directory of Urbandale insurance agents, view this link.

After receiving positive responses to your questions and locked in a price quote, most likely you have located a company that meets your needs to provide car insurance coverage.

Car insurance myths debunked

Progressive, Allstate and GEICO regularly use ads in print and on television. All the companies say the same thing of big savings if you move to their company. But how can every company make almost identical claims?

Insurance companies have a preferred profile for the type of driver that makes them money. A good example of a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and drives newer vehicles. Any new insured who fits that profile will get very good rates and most likely will save when switching.

Potential customers who don’t measure up to the requirements will be quoted more money and ends up with business not being written. Company advertisements say “customers who switch” not “people who quote” save that much money. This is how companies can truthfully state the savings. This emphasizes why it’s extremely important to get a wide range of price quotes. It’s impossible to know which car insurance company will have the lowest rates.

Different people need different coverages

When it comes to buying the best car insurance coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Is my vehicle covered for smoke damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my custom paint covered by insurance?
  • Should I buy only the required Iowa minimum liability coverage?
  • When should I not file a claim?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does medical payments coverage apply to all occupants?
  • Is my cargo covered for damage or theft?
  • How many claims can I have before being cancelled?

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

Urbandale IA insurance prices

More information about car insurance

Additional detailed information is located at the Iowa Insurance Division website. Iowa drivers can find out which companies have the most complaints, file complaints about a company, download brochures, and view a list of available companies.

Other useful links include this link for Iowa coverage information and this link where you can make Urbandale car insurance comparisons.

In conclusion

Low-cost car insurance is available on the web and also from your neighborhood Urbandale agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, it’s a bad idea to reduce needed coverages to save money. In many instances, someone dropped full coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

Insureds who switch companies do it for a variety of reasons including denial of a claim, high rates after DUI convictions, an unsatisfactory settlement offer or even poor customer service. Whatever your reason, finding a new car insurance company is not as hard as you think.