auto owners insurance des moines

Auto Owners Insurance Des Moines IA-Fast Quotes Online

Finding low cost auto owners insurance in Des Moines, Iowa has never been easier than it is right here at OnlineInsuranceAgents.net.  We provide some of the most competitive pricing for auto insurance in the industry and only work with highly rated top companies that service the Des Moines and surrounding area.

Auto Owners Insurance Des Moines IA

As an Iowa resident you know that Iowa is fairly conservative midwestern State so it may not surprise you to know that Iowa auto insurance premiums averaged just under $700 per year in 2011 compared to over $1400 as the National average.  In Des Moines though, the average annual premium is just over $1500.

This shows more than likely that not only is there less auto crime and safer drivers in the majority of rural Iowa, but there is a dramatic difference for those living in outline rural areas than those living in the Cities.  Auto insurance companies are obviously finding the safer statistics of Iowa’s rural population demographics and those driver’s driving records compelling enough to offer lower premiums and as a result, those folks in the rural areas have substantially cheaper auto owners insurance .

Additionally, the rural residents may drive older vehicles such as work vehicles, trucks and pickup trucks that have little value and may not even require collision insurance in many cases.  That in itself will lead to cheaper auto insurance policy premiums.

Auto insurance is governed and regulated at the State level and Iowa is a tort state.  This means in it’s simplest form that if you’re at fault in an accident, your insurance will be paying for all damages although every States policy requirements vary from state to state.

Incorporated in 1851 as Fort Des Moines and later shortened to Des Moines in 1857 this City known for being the Capital of Iowa and where the Des Moines and Racoon rivers merge now has a population of approaching 200,000 people.

Where you live (specifically by zip code) is important in quoting your car insurance.  Auto insurance is initially quoted by location to identify the top companies that service your location and then of course many other factors come into play when you’re obtaining your online insurance quote.

Auto Owners Insurance Des Moines IA

Here are ways to save when quoting your auto insurance:

  • Maintain a safe driving record
  • Women are cheaper than men
  • Maintain a good credit rating
  • Drive less miles by carpooling
  • Have more than one policy with a carrier
  • Reductions for good young drivers over 25
  • Don’t maintain collision if your car is worth less than $4000
  • Drive a make and model that is cheaper to insure
  • Drive a car with updated safety features
  • If you’re young and live at home, stay on your parents policy
  • Increase your deductible

These are just a few tips to help you know how to save when you’re getting quotes.  Also make sure you quote the same deductible for every quote that you receive so you’re comparing the same coverage and deductible.

Obtaining multiple online quotes is the fastest and best way to ensure you’re getting the cheapest auto insurance quotes for Des Moines you can.  Enjoy the savings.

 

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Posted in: Auto Insurance, Insurance