Wasting Money on Auto Insurance in Council Bluffs, IA? Here’s How to Save!

Price shopping your Council Bluffs auto insurance can seem to be challenging for people who are new to comparing rates online. There are so many companies to choose from that it can easily become a real challenge to find the best price in Council Bluffs.

Comprehensive Council Bluffs Auto Insurance Comparison

Lowering your auto insurance rates doesn’t have to be difficult. You just need to take the time getting comparison quotes from different insurance companies. This can be done in several different ways.

The best way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for a different quote for each company. In just a few minutes this one form gets you price quotes from several companies. It’s the fastest way to compare.

A slightly less efficient method to shop for auto insurance online requires you to visit each company’s website and request a quote. For examples sake, we’ll assume you want rates from Auto-Owners, State Farm and American Family. You would have to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Council Bluffs, click here.

It’s up to you how you get prices quotes, just make sure you use exactly the same information on every quote. If you compare different liability limits you will not be able to determine the best price in Council Bluffs.

Don’t pay full price with these discounts

Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be asked for prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.

  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Memberships – Being a member of a civic or occupational organization could qualify you for a break when shopping for auto insurance.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Senior Citizens – If you qualify as a senior citizen, you may receive better auto insurance rates.
  • Resident Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • E-sign – A few companies give back up to $50 simply for signing over the internet.

It’s important to note that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

Find out more about auto insurance

Additional information can be found on the Iowa Insurance Division website. Click here for link. Consumers can find out which companies have the most complaints, read enforcement actions against agents and companies, and find disaster information.