Learn How to Shop For Wentzville, MO Auto Insurance Like a Pro

Overpriced auto insurance can drain your checking account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate

Consumers should take time to do rate comparisons periodically because prices are usually higher with each renewal. Just because you found the best price a year ago other companies may now be cheaper. You can find a lot of wrong information about auto insurance on the web, but I’m going to show you some of the best ways to buy auto insurance cheaper.

Finding Auto Insurance Deals in Wentzville, MO

All the larger auto insurance companies such as Allstate and Progressive quote prices for coverage on the web. The process is quite easy as you simply enter the coverage amounts you desire into the quote form. Once you submit the form, their rating system sends out for your credit score and driving record and gives you a price quote. Being able to quote online streamlines rate comparisons, but the process of having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this in order to get the lowest possible prices on auto insurance.

There is an easier way!

The preferred way to locate the lowest prices makes use of a single form to obtain quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes comparison shopping much simpler. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate the coverages as shown on your current policy. This ensures you will have a price comparison based on the exact same insurance coverage.

Do drivers who switch really save $402 a year?

Missouri drivers get pounded daily by advertisements for cheaper car insurance by Allstate and Progressive. All the companies make an identical promise that you’ll save big if you switch to their company.

How do they all say the same thing?car insurance image

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be between 30 and 50, owns a home, and drives less than 7,500 miles a year. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for the requirements will be charged a higher premium which usually ends up with business going elsewhere. The ads state “customers who switch” not “people who quote” save that much. That’s why insurance companies can state the savings. That is why you should quote coverage with many companies. It’s just too difficult to predict which insurance companies will have the lowest rates.

Don’t miss out on these money-saving discounts

Companies don’t necessarily list every discount very well, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • 55 and Retired – Mature drivers can possibly qualify for a discount up to 10%.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Fewer Miles Equal More Savings – Fewer annual miles could be rewarded with a substantially lower rate.

It’s important to note that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To choose companies who offer auto insurance discounts in Wentzville, click this link.

Do I need special coverages?

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I crash into my own garage door?
  • Can I afford low physical damage deductibles?
  • When should I drop full coverage on my vehicle?
  • Exactly who is provided coverage by my policy?
  • Are rental cars covered under my policy?
  • Does my insurance cover my expensive audio equipment?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

save money concept

Even more information is located at the Missouri Department of Insurance website. Consumers can learn about insurance regulations, file complaints about an insurance agent or broker, find out industry alerts, and find out which companies have the most complaints.

Also read more on QuoteClickInsure.com and this link where you can get more info about Wentzville coverage.

In conclusion

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

We’ve covered many tips how you can get a better price on auto insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with a small local company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.