9 Must-Know Tips When Buying Blue Springs Auto Insurance

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.

Lots of discounts mean lots of savings

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.

  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates.

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.

How to Compare Blue Springs Auto Insurance Rates

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.

Factors that affect insurance rates

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.

  • Rural vs Urban Areas – Choosing to live in a small town can be a good thing when insuring your vehicles. Less people living in that area means fewer accidents and a lower car theft rate. Drivers in populated Missouri areas regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • How’s your driving record? – Your driving record impacts your car insurance rates tremendously. Even a single moving violation can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.
  • Type of vehicle determines base rates – The make and model of the vehicle you drive makes a huge difference in how high your rates are. Small economy passenger cars usually have the lowest rates, but other factors influence the final cost greatly.

Save 15 percent in 15 minutes? Is it for real?

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.

Best coverage at the best price

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.

Blue Springs insurance quotes

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 consumer information websites

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.