Auto Insurance in Florissant – 6 Discounts to Save Money

Expensive auto insurance can overdraw your bank account, especially in this economy. Comparing price quotes is a smart way to help make ends meet. Because there are so many choices of insurance companies, it can be hard to choose the best company.

How much can you save with these six discounts?

Companies don’t always advertise all their discounts very clearly, so we researched some of the more common and also the lesser-known auto insurance savings. If you’re not getting every credit available, you are throwing money away.

• Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
• Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accident claims.
• No Accidents – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
• New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
• Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Driver Safety – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

To choose providers offering auto insurance discounts in Missouri, click here.

Your insurance agent down the street

Certain consumers just want to buy from a licensed agent. Insurance agents can answer important questions and help file insurance claims. One of the great benefits of comparing insurance prices online is the fact that you can find the lowest rates but still work with a licensed agent.

To help locate an agent, after submitting this quick form, your coverage information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. There is no reason to visit any agencies since price quotes are sent immediately to your email address. How’s that for easy!

Picking an insurance company should depend on more than just the premium amount. Any agent should be forthright in answering these questions:

• How much will you save each year by using a higher deductible?
• Did they already check your driving record and credit reports?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Will your rates increase after a single accident?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do the coverages you’re quoting properly cover your vehicle?
• Do they receive special compensation for putting your coverage with one company over another?
• Is working in the agency their full-time job?

Different types of Florissant auto insurance agents

When searching for a good Florissant insurance agent, there are a couple of different agency structures from which to choose. Agencies in Florissant are either independent or captive. Both types can properly insure your vehicles, but it’s worth mentioning the difference between them since it may influence buying decisions.

Agency Captives

This type of agents can only place business with one company such as AAA, Allstate and State Farm. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. They receive extensive training on their products and sales techniques which can be an advantage.

Listed below are Florissant captive agencies willing to provide rate quotes.

Missouri Farm Bureau Svc – 3343 N Us Highway 67 – Florissant, MO 63033 – (314) 837-4358
American Family Insurance – 13290 New Halls Ferry Rd – Florissant, MO 63033 – (314) 830-0757
State Farm Insurance – 3837 Vaile Ave # B – Florissant, MO 63034 – (314) 921-6275
Allstate Insurance – 4435 N Us Highway 67 – Florissant, MO 63034 – (314) 355-8760
Farmers Insurance Group – 12131 Dorsett Rd – Florissant, MO 63031 – (314) 831-4500

Independent Insurance Agents

These agents are not employed by any specific company so they can insure your vehicles amongst many companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s recommended you contact several independent insurance agents for maximum quote selection.

Below are Florissant independent insurance agents that are able to give comparison quotes.

Paul L Fruend Insurance – 14220 Old Halls Ferry Rd # 101 – Florissant, MO 63034 – (314) 355-5665
Marks Agency Inc – 100 Saint Francois St # 106 – Florissant, MO 63031 – (314) 831-7997
Howard E Bittick Insurance Inc – 3327 N Us Highway 67 – Florissant, MO 63033 – (314) 921-7900
Direct General Ins Agency – 117 Flower Valley Shopping Ctr – Florissant, MO 63033 – (314) 921-1466
Robb Howard Agency – 2416 N Us Highway 67 – Florissant, MO 63033 – (314) 831-7578

To view a complete directory of Florissant insurance agents, please click here.

After getting positive responses to these questions as well as a affordable price, most likely you have located an auto insurance agent that can provide auto insurance coverage.

Insurance agents can help

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might help in determining whether your personal situation will benefit from professional help.

• Is my cargo covered for damage or theft?
• Is my dog or cat covered if injured in an accident?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is business property covered if stolen from my car?
• Should I have combined single limit or split liability limits?
• Is Missouri a no-fault state?
• What happens if I owe more than my vehicle is worth?
• When should I remove comp and collision on my vehicle?
• Why is insurance for a teen driver so high in Florissant?
• Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Coverages available on your policy

Having a good grasp of your auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Liability – Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims such as medical services, court costs, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford. Missouri state minimum liability requirements are 25,000/50,000/10,000 but drivers should carry more liability than the minimum.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, fire damage and hitting a deer. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This pays for damage to your vehicle caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, backing into a parked car, hitting a parking meter, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for chiropractic care, rehabilitation expenses, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your vehicle.

Since a lot of drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

More detailed Missouri auto insurance information is available at the Missouri Department of Insurance website. Consumers can view a list of available companies, find out industry alerts, and read enforcement actions against agents and companies.

Other informative sites include this online resource for auto insurance quotes in Missouri and this link where you can make Florissant auto insurance comparisons.

More quotes mean more savings

Throughout this article, we presented many ideas to lower your auto insurance rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest premiums are with a small mutual company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

As you prepare to switch companies, you should never buy poor coverage just to save money. There are a lot of situations where someone dropped physical damage coverage and learned later that it was a big error on their part. Your aim should be to purchase plenty of coverage at a price you can afford.