| If you live in Iowa it's possible that you don't even need | | | | least 3.0 - and then collect a 5% Good Student |
| to purchase automobile insurance. It's true. If you have | | | | Discount each and every month on your car insurance! |
| a clean driving record, and if you have the financial | | | | Drivers who are 55 or older can also get a break on |
| resources to pay for any accident you do become | | | | their premium if they take - and pass - a special |
| involved in, then you can legally drive in Iowa without | | | | driver's refresher course. Talk to your agent as not all |
| automobile insurance. | | | | insurance companies make this discount available. |
| Those two "ifs" are pretty important. You must have a | | | | Older cars that no longer have any Kelly Blue Book |
| clean driving record, and you must be financially | | | | value should not be insured for collision or |
| responsible. Most people can't really qualify under | | | | comprehensive coverage since your insurance |
| these two conditions. | | | | company will only pay you Blue Book value if your car |
| And if your vehicle is being financed then your lender is | | | | is in an accident. |
| not going to be so understanding - you'll be forced to | | | | Do you drive only a few miles each week, perhaps to |
| buy insurance if you have a loan on your car. | | | | the grocery store and back with an occasional visit to |
| So how do you get affordable car insurance in Iowa? | | | | a friend or a trip to the doctor? If so you may qualify |
| Actually there are several things you can do that will | | | | for a low-mileage discount. Talk to your agent. |
| help to keep the cost of your monthly premium | | | | How much of a deductible can you really afford? |
| affordable - and once you've taken all the steps you | | | | Remember, your deductible represents cash that you |
| can to keep rates low, then you're going to compare | | | | have to come up with yourself if you have a claim, so |
| prices head-to-head online and find the best possible | | | | be realistic about how much you can afford - but the |
| rate. | | | | more you can afford for your deductible the less you |
| Let's start by looking at your driving record. This is | | | | will pay each month in premium payments. |
| where many people have the most trouble with their | | | | All right, now it's time to find those comparison |
| insurance rates. If you want good car insurance rates | | | | websites that are all over the net and start comparing |
| then you must drive legally and responsibly. You can't | | | | policies and prices. Just keep in mind that you need to |
| get tickets for speeding or any other moving violation. | | | | take the extra time to make your comparisons on at |
| A DUI (Driving Under the Influence) or DWI (Driving | | | | least 3 different websites so that you can be certain |
| While Intoxicated) conviction and you can kiss the best | | | | of comparing all of the different insurance companies |
| car insurance rates good-bye for years. Multiple DUI or | | | | operating in Iowa. |
| DWI convictions and you'll be forced to purchase | | | | It takes a little extra effort to make comparisons at |
| insurance from a high-risk pool at rates that will make | | | | multiple sites, but you'll be laughing all the way to the |
| you lightheaded. | | | | bank each month if you do with all the cash you'll be |
| If you are under 25 and have the choice you should | | | | saving. |
| stay in school and keep your grade point average at | | | | |