Cheap Insurance Quotes for 4×4 Vehicles in Iowa

The words “bargain” and “insurance” really should not be used together, especially when you are looking for the best insurance rates for 4×4 vehicles. In an attempt to save some money, let’s teach you some of the things that help determine car insurance rates, and see if we can help you take the bite out of the next policy you buy.

Figuring out which insurers offer the best car insurance rates for 4×4 vehicles will take a tad more effort than just picking a company at random. Each auto insurance company has a proprietary method to establish rates, so to begin we’ll rank the car insurance companies with the most affordable rates in Iowa.

It’s a good idea to be aware that Iowa car insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Improving your credit score, getting married, or getting a couple of tickets can produce rate changes resulting in some companies being cheaper than competitors.

Cheap Insurance Rates for 4×4’s

Compare Rates Today

USAA normally has some of the cheapest car insurance rates in Iowa at around $683 per year. Partners Mutual, Western National, Allied, and State Farm also make the cut as some of the lowest-priced Iowa auto insurance companies.

As illustrated above, if you are currently insured with Allied and switched to Partners Mutual, you might realize savings of around $74. Customers with State Farm may save as much as $186 a year, and Hastings Mutual customers might realize rate reductions of up to $202 a year.

It’s important to note that these estimates are averages for all ages of drivers and types of vehicles and and are not figured with a price discount for 4×4 vehicles. So the car insurance company that can offer the best rates for your situation may not even be included in the above rate chart. That point stresses why you need to compare prices as often as possible using your own specific driver and vehicle information.

The make and model of vehicle that needs insurance is one of the main factors when comparison shopping for cheap insurance for 4×4 vehicles in Iowa. Vehicles with high performance engines, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.

The information below showcases insurance prices for a selection of the more afforable vehicles to insure in Iowa.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Iowa which can increase or decrease coverage prices significantly.

Looking at the numbers, we can expect models like the Hyundai Tucson, Ford Escape, Subaru Outback, and Honda CR-V are most likely to be a few of the more affordable vehicles to insure for off-road vehicles.

Get discount Iowa auto insurance rates

Insurance providers that offer cheap insurance for 4×4 vehicles in Iowa may additionally offer premium discounts that could reduce prices by 25% or more if you qualify for them. Larger car insurance companies and a partial list of their discounts are:

• State Farm offers discounts including good driver, Steer Clear safe driver discount, student away at school, multiple policy, good student, driver’s education, and Drive Safe & Save.
• Liberty Mutual policyholders can earn discounts including teen driver discount, new move discount, preferred payment discount, newly retired, newly married, and exclusive group savings.
• American Family offers premium reductions for defensive driver, TimeAway discount, good student, accident-free, good driver, and bundled insurance.
• Progressive offers discounts for homeowner, online quote discount, multi-vehicle, good student, continuous coverage, multi-policy, and online signing.
• Farmers Insurance may include discounts for bundle discounts, switch companies, youthful driver, electronic funds transfer, and alternative fuel.
• Auto-Owners Insurance includes discounts for anti-theft, teen driver, multiple vehicles, student away at school, safe driver, and mature driver.
• SAFECO discounts include homeowner, accident prevention training, bundle discounts, teen safety rewards, and anti-lock brakes.

The diagram below visualizes the comparison of insurance rates with and without policy discounts. The premium estimates are based on a male driver, no claims or violations, Iowa state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, passive restraint, vehicle safety, multiple policy, claim-free, and marriage discounts applied. When discounts are applied, the the amount saved on car insurance for 4×4 vehicles is 28% or $488.

Geico, Allstate, Progressive, or State Farm: Who is best?

When it comes to auto insurance, some of the largest companies to start with are Geico, Allstate, Progressive, and State Farm. The table below illustrates ratings and policy coverage options offered by each one.