Pay Less for Cape Girardeau, MO Car Insurance Rates in Five Minutes

Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say you’re not the only one.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates to get the best rate

Smart consumers take time to compare prices at least once a year since insurance rates are constantly changing. If you had the lowest rates on your last policy you may be paying too much now. Starting now, forget anything you know (or think you know) about car insurance because I’m going to teach you one of the best ways to lower your annual insurance bill.

How to Buy Cape Girardeau Car Insurance Online

Effectively comparing car insurance prices can be challenging if you aren’t aware of the most efficient way to do it. You could spend your day talking about coverages with insurance agencies in Cape Girardeau, or you can utilize the web to accomplish the same thing much quicker.

All the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company provides a quote. This prevents consumers from doing form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to getting quotes like this is you can’t choose the providers you want pricing from. If you wish to select specific insurance companies for rate comparison, we have a page of low cost car insurance companies in Missouri. Click to view list.

It’s your choice how you get your quotes, but make sure you use the exact same quote information with each company. If you compare mixed coverages you can’t possibly make an equal comparison in Cape Girardeau. Just a small difference in coverage limits can make a big difference in price. Just remember that having more price comparisons provides better odds of finding a lower rate.

Are you falling for claims of savings?

Companies like State Farm, Allstate and GEICO continually stream ads on television and other media. All the ads say the same thing that you can save after switching your coverage to them. But how can every company make almost identical claims?price insurance in Cape Girardeau MO

All the different companies have a preferred profile for the type of customer they prefer to insure. For example, a desirable insured could be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. Any driver who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Drivers who do not match the “perfect” profile will be quoted more money and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the way they do. This emphasizes why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

How much can you save with discounts?

Auto insurance companies don’t necessarily list all their discounts very well, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.

  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less than their less cautious counterparts.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Clubs and Organizations – Belonging to a civic or occupational organization may earn a discount when buying car insurance.
  • Save over 55 – Older drivers may qualify for reduced rates.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Homeowners Pay Less – Owning a home in Cape Girardeau can save you money because owning a home requires personal responsibility.

Keep in mind that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurers with discount car insurance rates in Missouri, click here.

Do I need a local agent?

Some people would prefer to buy from a local agent. One of the great benefits of comparing rates online is you may find the lowest rates and still have an agent to talk to.

For easy comparison, once you complete this short form, your coverage information is emailed to local insurance agents who will battle to get your business. There is no need to leave your house because quoted prices will be sent immediately to your email address. Now that’s easy! You can find better rates AND a local agent.

Picking a company should depend on more than just a cheap price. These questions are important to ask:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Does the agency support the community they serve?
  • Are claims handled at the agent’s location?
  • Do they carry Errors and Omissions coverage?
  • Did they already check your driving record and credit reports?
  • How long have they worked with personal auto insurance coverage?
  • How are they compensated?
  • Do they specialize in personal lines coverage?

If you wish to view a list of agents in Cape Girardeau to contact, click here to link.

price insurance in Cape Girardeau MO

After receiving answers to your satisfaction to all your questions and an affordable coverage quote, it’s possible that you found an insurance company that can properly insure your vehicles.

More tips and info about car insurance is available at the Missouri Department of Insurance website. Consumers can find out which companies have the most complaints, find disaster information, find out industry alerts, and file complaints about an insurance agent or broker.

Compare but don’t skimp

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are too many instances where drivers have reduced liability coverage limits to discover at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Throughout this article, we presented some good ideas how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers may even find the lowest priced car insurance comes from a small local company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.