There’s Only Six Degrees of Separation Between You and Cheap Iowa Auto Insurance

Is there anyone out that hasn’t seen “Six Degrees of Separation” with Will Smith? Believe it or not, I just saw that for the first time about a week ago, and it got me thinking. If there are only six degrees of separation between people, why shouldn’t there be six degrees of separation between you and just about anything else? Namely, cheap Iowa auto insurance!

1. The first degree of separation between anyone and an absolutely awesome rate on their Iowa auto insurance is a good driving record. It’s easy when you’re driving down Highway 18 to “space out” and apply your foot a little too liberally to the gas pedal. Next thing you know, there’s a state trooper right behind you and you’re looking at a hefty fine for speeding-and a hefty hike in your Iowa auto insurance rates.

When you’re out on the road, pay attention to your driving habits. If you do happen to have a run in with local law enforcement and you walk away with a ticket for a traffic violation to show for it, don’t pay off the ticket. Go to court and bring it before a judge. If it’s your first ticket and you willingly cooperate (and admit your culpability) the judge may order you to go take a driver’s improvement class instead of tacking the ticket onto your driving record. That’s great news for your auto insurance rates.

2. The second degree of separation for most people comes in the type of car they’re driving. Most people don’t knowingly buy a new car with the cost of their auto insurance at the front of their minds, but maybe they should. The Highway Loss Data Institute tracks the number of accidents involving each make and model of vehicle that take place on the roads each year. This is a virtual Bible for most auto insurance companies when it comes to figuring out how high your auto insurance rates are going to be.

They publish their findings on their website. Check this out before you go shopping for your next car and you’ll be in great shape to get a great deal on your coverage.

When you’re talking about saving money on your auto insurance, every little bit helps.

3. The third degree of separation is age. If you’re under 25 you’re going to be considered a high risk driver, and your insurance agent is going to adjust your rates accordingly. If you’re over 52 you might be eligible for a discount on your insurance, and when you retire and aren’t playing the commuting game on the Iowa highways you can watch your auto insurance rates drop accordingly.

4. The fourth degree of separation: Your job and your credit score. Did you know that engineers and teachers pay much, much less for their Iowa auto insurance than just about any other group of drivers? That’s because, statistically speaking, they’re involved in fewer accidents each year. People with a high credit score (over 700) are also statistically more responsible and therefore considered a better risk. Less risk=cheaper auto insurance.

5. The fifth degree of separation is the number of discounts you qualify for that you’re actually taking advantage of. Remember the Progressive commercial? You’d be amazed what can save you money, so don’t be afraid to sit your agent down and rake him over the coals until you’re saving all of the money you’re entitled to save.

6. Degree of separation number the sixth: Your ability and willingness to shop around for auto insurance quotes. Shopping for insurance is a pain. It’s time consuming, it’s stressful, it’s repetitive, and it tends to yield very similar results between insurance companies. All companies are not created equal, however, and even those small differences can make a huge difference in your budget.

By taking advantage of (and overcoming) the six degrees of separation standing between you and the Iowa auto insurance rates you’ve been dreaming of you can kick back, relax and hit the friendly highways knowing you’ve got the coverage you need and the cheap auto insurance rates you deserve.

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