6 Must-Know Tricks When Shopping for Jefferson City Missouri Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, you’re not the only one.

Because you have many different company options, it can be hard to pick the lowest price car insurance company.

Consumers should take time to compare rates yearly since rates change regularly. Even if you got the best deal last year there may be better deals available now. There is a lot of wrong information about auto insurance online but I’m going to show you some excellent ideas to find cheap auto insurance.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but a few must be specifically requested before you will receive the discount.

  • Safe Drivers – Insureds without accidents can pay as much as 50% less than drivers with accidents.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Paperless Signup – A few companies will give a small break for buying your policy digitally online.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of more than 20%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like you can get free auto insurance, you won’t be that lucky. But any discount will bring down your overall premium however.

To choose companies with the best auto insurance discounts in Missouri, follow this link.

More information is located on the website for the Missouri Department of Insurance through this link. Visitors are able to find out industry alerts, read enforcement actions against agents and companies, and view agent and company licensing information.

Other useful links include NAIC.org’s Understanding your Policy and this link where you can make Jefferson City auto insurance comparisons.

Online plus local equals savings

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits and learned later that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Missouri car insurance quote

The cheapest auto insurance can be found on the web as well as from independent agents in Jefferson City, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

You just read quite a bit of information on how to get a better price on auto insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with a small local company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.