Learn How to Find the Lowest Price on Kirkwood Missouri Auto Insurance

Saving money on Kirkwood auto insurance can seem to be difficult for beginners to comparing rates online. People have so many companies to choose from that it can turn into a lot of work to find the best price in Kirkwood.

It’s a good habit to check auto insurance prices periodically because prices change quite often. Even if you think you had the lowest rates a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. The purpose of this post is to introduce you to how car insurance quotes work and some tips to save money. Nevertheless, Missouri vehicle owners do need to know how big insurance companies sell insurance online.

Comprehensive Kirkwood Auto Insurance Comparison Quotes

There are multiple methods you can shop for auto insurance but one way is less labor-intensive and much quicker. You could waste a few hours talking to agents in Kirkwood, or you can stay home and use online quoting to quickly compare rates.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and each company then returns a price quote based on the submitted data. This eliminates the need for form submissions for each company. To get comparison pricing now click to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose the companies to get pricing from. So if you want to select specific providers to request quotes from, we have a page of low cost auto insurance companies in Missouri. Click to view list.

Which method you use is up to you, but make darn sure you compare apples-to-apples quote information for every quote you compare. If you have different limits and deductibles on each one it will be very difficult to truly determine the lowest rate in Kirkwood. Having just a slight variation in coverages can make a big difference in price. Just remember that having more price comparisons helps locate a better price.

What about my local Kirkwood agents?

Some people just want to sit down with an agent and that is just fine! One of the best bonuses of price shopping on the web is that you can obtain the lowest rates and still choose a local agent.save money concept

After filling out this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area who will battle for your business. There is no reason to visit any agencies since price quotes are sent directly to your email. How cool is that?! You can find the lowest rates AND an agent nearby.

Picking an provider requires more thought than just a cheap price. Any agent should have no problem answering these questions:

  • Is the agency involved in supporting local community causes?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Can glass repairs be made at your home?
  • Is assistance available after office hours?
  • Who are their largest clients?
  • Does the agency have a good rating with the Better Business Bureau?

Compare rates from both independent and captive insurance agencies

When looking for a local agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agencies in Kirkwood are categorized either captive or independent.

Agency Captives

These agents are contracted to one company like AAA, Allstate and State Farm. Captives cannot shop your coverage around so they have to upsell other benefits. Captive agents are well schooled on their company’s products which helps them compete with independent agents. Consumers sometimes buy from captive agents partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Listed below are captive agencies in Kirkwood that are able to give comparison quotes.

  • State Farm Insurance – 10807 Big Bend Rd – Kirkwood, MO 63122 – (314) 821-8488
  • American Family Insurance – 12213 Old Big Bend Rd – Kirkwood, MO 63122 – (314) 821-0308
  • Shelter Insurance – 632 W Woodbine Ave – Kirkwood, MO 63122 – (314) 909-0077
  • Allstate Insurance – 12203 Big Bend Rd – Kirkwood, MO 63122 – (314) 821-6512
Independent Agents (or Brokers)

These agents are not locked into one company but rather can write business with any number of different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.

When comparison shopping, it’s recommended you contact several independent insurance agents to ensure the widest selection of prices. Many write coverage with smaller companies who may have lower rates.

Listed below is a list of independent insurance agents in Kirkwood who can help you get price quotes.

  • Hugh Bissell Insurance Inc – 10807 Big Bend Rd – Kirkwood, MO 63122 – (314) 821-4500
  • Farmland Insurance – – Kirkwood, MO 63122 – (314) 966-5612

To view a full list of insurance agents in Kirkwood, please click here.

After receiving satisfactory answers to all your questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that can adequately provide auto insurance.

Even more information is available at the Missouri Department of Insurance website. Missouri drivers can view a list of available companies, learn about specific coverages, get help finding coverage, and read state legal mandates and laws.

Additional helpful sites include this link for Missouri coverage information and this page where you can research Kirkwood insurance agents.