Free Guide to Paying Less for Wellman Auto Insurance Online

Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than many other Iowa drivers.

Drivers have multiple to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to compare rates.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

Listed below are a few of the "ingredients" auto insurance companies consider when setting prices.

Your occupation can affect rates - Did you know that where you work can have an impact on rates? Careers like lawyers, business owners and financial analysts tend to have higher average rates in part from high stress levels and lengthy work days. Conversely, occupations like farmers, engineers and homemakers receive lower rates.
Safe vehicles cost less to insure - Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Traffic violations increase rates - A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Are you male or female? - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men have accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Don't get talked into coverage you don't need - There are many extra bells and whistles that can waste your money on your auto insurance policy. Coverages for vanishing deductibles, accident forgiveness and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.
Pay less if you're married - Having a spouse can actually save you money on your policy. Having a significant other means you're more responsible it has been statistically shown that drivers who are married are more cautious.
Liability coverage is cheap - Liability insurance will protect you when a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.

How to Compare Auto Insurance Costs in Wellman

There are several ways you can shop for auto insurance and some are easier and takes less work. You can spend your afternoon talking to agents in Wellman, or you can stay home and use online quoting to quickly compare rates.

Most of the larger companies enroll in a system that allows shoppers to submit one quote, and each company returns a competitive quote based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for. To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is that you can't choose which providers to get quotes from. So if you want to select specific providers for rate comparison, we put together a list of the cheapest auto insurance companies in Iowa. Click here for list of insurance companies in Iowa.

It's up to you which method you use, but double check that you are using identical coverages and limits for every quote you compare. If you enter different deductibles it will be very difficult to determine the best price in Wellman. Quoting even small variations in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes helps locate a lower rate.

How much can you save with discounts?

Companies that sell car insurance don't always list every discount very clearly, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

No Accidents - Claim-free drivers can save substantially when compared to accident-prone drivers.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Good Students Pay Less - This discount can get you a discount of up to 25%. This discount can apply until age 25.
Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
Low Mileage Discounts - Driving fewer miles can earn discounted rates on garaged vehicles.
Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To choose insurance companies offering auto insurance discounts in Iowa, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make an identical promise about savings if you switch to their company. How does each company make almost identical claims? This is how they do it.

All companies can use profiling for the driver that makes them money. For example, a driver they prefer could possibly be over the age of 40, has no tickets, and has great credit. A driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the savings. This emphasizes why you need to get quotes from several different companies. It is impossible to predict the company that will fit your personal profile best.

Even more information can be found at the Iowa Insurance Division website. Iowa consumers can read industry bulletins, find disaster information, file complaints about a company, and learn about insurance regulations.

Do the work, save more money

In this article, we presented some good ideas how you can compare auto insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

Cheaper auto insurance is available online and also from your neighborhood Wellman agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.