Who Has the Cheapest Auto Insurance Quotes for Single Moms in Iowa?

You have most likely watched the catchy commercials from auto insurance companies like Farmers, GEICO, and Liberty Mutual that claim huge savings. So drivers just need to choose the one with the best commercial, right?

It’s not quite that easy, unfortunately, as there are a lot of unknown factors such as what physical damage coverage deductibles you want, if you need full coverage or just liability, if you are currently insured, and if you are a homeowner, that all have an effect on the price of a policy. The content below will cover these topics and will hopefully give you a good start in finding the cheapest insurance.

The make and model of vehicle that is being insured is one of the biggest factors that determines the availablility of the cheapest auto insurance for single moms in Iowa. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models. The list below features car insurance rates for some of the most budget-friendly vehicles to insure.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in garaging location in Iowa which can affect prices substantially.

Based upon these rates, we can presume that vehicles like the Kia Forte, Ford Explorer, and Toyota Prius are likely to be the most affordable vehicles to insure for single parents.

One of the key things that play a part in determining insurance cost is where your home is located. Areas with high crime rates or more dense population like Council Bluffs, Sioux City, and Bettendorf tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims have the luxury of the cheapest auto insurance for single moms in Iowa.

The information below shows the most expensive places in Iowa for single moms in which to purchase auto insurance.

Rate quotes are comparative as the specific area where the vehicle is garaged can increase or decrease premium rates substantially.

The example below shows how choosing a deductible can change insurance rates when researching cheap insurance for single moms. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

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As shown above, a 40-year-old driver could cut expenses by $240 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $366 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can cut up to $810 or more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Ideas for finding more affordable insurance for single moms

Here are some of the recommended penny-pinching solutions that can help you get lower-cost coverage.

• Vehicles with safetly features generally cost less to insure
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Better credit rating means better rates
• Maintain a safe distance and avoid accidents
• Pay for smaller claims out-of-pocket
• Compare rates once a year for cheaper prices

That last idea is notably critical, as was affirmed in this article. Insurance prices vary considerably, so don’t hesitate to switch to a new company if a cheaper rate is available.

Many drivers prefer to stick with one company, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars year after year. In just a few minutes you could compare rates to find cheaper car insurance for single moms.