No one likes having to buy auto insurance, particularly when they are paying too much.
Multiple auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute lowest cost out there.
Companies that sell car insurance don’t always list all their discounts very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using.
As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.
To choose insurance companies offering auto insurance discounts in Missouri, click here to view.
Most companies allow you to get prices for coverage directly from their websites. The process is fairly simple as you simply type in the coverages you want into the quote form. Upon sending the form, the system requests reports for credit and driving violations and generates pricing information based on these factors. Online price quotes makes comparing rates easy, but the time it takes to visit multiple sites and type in the same information is monotonous and tiresome. But it is imperative to have as many quotes as possible if you are searching for the best price possible.
The easiest way to get multiple rate quotes utilizes a single form that gets price quotes from multiple companies. The form is fast, requires less work, and makes online price comparison much easier to do. Once the form is submitted, it gets priced and you can choose your choice of the quotes returned. If a lower price is quoted, you can simply submit the application and buy the new coverage. This process only takes a few minutes and could lower your rates considerably.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-66.jpg" alt="Blue Springs insurance quotes“/>
To compare rates using this form now, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you complete the form with your coverages just like they are on your policy. This ensures you will be getting an apples-to-apples comparison for similar coverage.
Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Knowing what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.
The following are a partial list of the pieces auto insurance companies consider when setting prices.
Companies like State Farm, GEICO and Progressive continually stream ads on TV and radio. All the ads make an identical promise that you can save after switching to them. How do they all claim to save you money?
Insurance companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer could be over the age of 50, owns a home, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” receives the best rates and is almost guaranteed to save when they switch companies.
Potential insureds who don’t qualify for these standards will be quoted a higher premium and ends up with business not being written. Company advertisements say “people who switch” not “people who quote” save that much. That’s why insurance companies can confidently claim big savings. This emphasizes why drivers should get as many comparisons as possible. It is impossible to predict which insurance companies will fit your personal profile best.
The cheapest auto insurance can be bought both online and also from your neighborhood Blue Springs agents, so you should compare both to have the best rate selection. A few companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
As you restructure your insurance plan, never reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.
You just learned a lot of tips how to save on auto insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with the least-expected company. They may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.
Additional detailed information is available at the Missouri Department of Insurance website. Missouri consumers can find a variety of consumer forms, discover disciplinary actions, read enforcement actions against agents and companies, and read state legal mandates and laws.