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Kellyfrost, you started a thread sometime ago about your insurance rates. Unfortunately I don't believe there is anyone here who does home and auto in Iowa, so you probably aren't going to get a lot of help.
To be frank, most agents on here haven't seen rates anywhere near that, but then we aren't in Iowa. The closest I have ever seen is someone with a good insurance score and clean driving record who was carrying liability only on an older car.
Either you will need to reach out to agents in Iowa, captive or independent, or accept those rates. Were it me, I might look around once every few years, but I wouldn't get too worked up. Your rate is such that it would take a huge percentage savings to move it a lot.
There is no company that has a great rate for everyone across the board. And there are so many factors that go into a rate. Not only that, there are even tweaks in the policy from one company to the next.
Really, the only way to make a comparison is to take your information and rate it and then examine what if any differences there are between policies.
To be frank, most agents on here haven't seen rates anywhere near that, but then we aren't in Iowa. The closest I have ever seen is someone with a good insurance score and clean driving record who was carrying liability only on an older car.
Either you will need to reach out to agents in Iowa, captive or independent, or accept those rates. Were it me, I might look around once every few years, but I wouldn't get too worked up. Your rate is such that it would take a huge percentage savings to move it a lot.
There is no company that has a great rate for everyone across the board. And there are so many factors that go into a rate. Not only that, there are even tweaks in the policy from one company to the next.
Really, the only way to make a comparison is to take your information and rate it and then examine what if any differences there are between policies.