Proven Techniques for Buying Cheap Springfield Auto Insurance

Expensive auto insurance can overdraw your bank account and put a big crunch on your finances. Doing a price comparison is a smart way to cut your insurance bill. With so many options, it’s difficult to find the best price on auto insurance in Springfield, MO.

The purpose of this post is to let you in on how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this strategy. Missouri consumers just need to learn the proper way to compare price quotes online.

Finding Auto Insurance in Springfield, Missouri

Getting a cheaper price on insurance doesn’t have to be difficult. You just need to spend a few minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way to get quotes is a comparison rater form (click to open form in new window). This type of form keeps you from doing repetitive form entry for every auto insurance company. Completing one form will return price quotes from auto insurance companies with the best prices.
  2. A different way to obtain and compare quotes online is spending the time to visit the website for each individual company and complete a new quote form. For examples sake, let’s say you want rates from Allstate, Esurance and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in Springfield, click here.
  3. The most time-consuming method of comparing rate quotes to local Springfield insurance agencies. Buying insurance online can eliminate the need for a local agent unless you want the trained guidance of a licensed agent. However, consumers can price shop online and still use a local agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples information on every quote. If you are comparing different limits and deductibles on each one you will not be able to determine which rate is truly the best in Springfield.

Is my situation unique?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover whether or not you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • Do I need PIP (personal injury protection) coverage in Missouri?
  • When would I need additional glass coverage?
  • What are the financial responsibility laws in Missouri?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need higher deductibles?
  • What is covered by UM/UIM coverage?
  • Do I need to file an SR-22 for a DUI in Missouri?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Your local neighborhood insurance agent

Some consumers would prefer to visit with an insurance agent and that is OK! Good agents can answer important questions and help submit paperwork. One of the great benefits of comparing rates online is the fact that you can find the lowest rates but also keep your business local. And providing support for small agencies is definitely important in money concept

To find an agent, once you fill out this quick form, the coverage information is instantly submitted to local insurance agents in Springfield who will give you bids for your insurance coverage. You never need to visit any agencies as quotes are delivered to the email address you provide. Now that’s easy!

The difference between Springfield insurance agencies

When searching for a good insurance agency, there are a couple of different agency structures to choose from. Agents are categorized either captive or independent (non-captive). Both types can do a good job, but it’s good to learn how they are different since it may influence the selection process.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.

When comparing rates, it’s a good idea to include at a minimum one independent agency to ensure the widest selection of prices.

Shown below are independent agencies in Springfield that may be able to provide comparison quotes.

David Potter Agency Inc – 1501 E Sunshine St – Springfield, MO 65804 – (417) 883-3307
Liberty Mutual Insurance – 3556 S Culpepper Cir # 1 – Springfield, MO 65804 – (417) 882-4222
L and L Agency – 2032 N Grant Ave – Springfield, MO 65803 – (417) 831-0178
Direct General Ins Agency – 2902 S Campbell Ave – Springfield, MO 65807 – (417) 823-7680
Acceptance Insurance Co – 3405 S Campbell Ave # A – Springfield, MO 65807 – (417) 881-8885

Captive Insurance Agents

This type of agents work for only one company like AAA, State Farm, Farmers Insurance and Allstate. They usually cannot place coverage with different providers so they have no alternatives for high prices. Captive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

lower rates in Missouri

Below is a short list of captive insurance agents in Springfield willing to provide rate quotes.

Farm Bureau Insurance – 3433 S Campbell Ave # Y – Springfield, MO 65807 – (417) 886-3222
Farmers Insurance Group – 1658 E Saint Louis St – Springfield, MO 65802 – (417) 865-9627
State Farm Insurance – 3331 E Montclair St – Springfield, MO 65804 – (417) 886-0077
American Family Insurance – 2975 E Chestnut Expy – Springfield, MO 65802 – (417) 863-7300
Shelter Insurance – 2032 E Kearney St # 105 – Springfield, MO 65803 – (417) 833-4046
Allstate Insurance – 3259 E Sunshine St # Dd – Springfield, MO 65804 – (417) 889-7585
Liberty Mutual Insurance – 3556 S Culpepper Cir # 1 – Springfield, MO 65804 – (417) 882-4222

For a full directory of captive agencies in Springfield, go to this page.

Selecting a car insurance agent should depend on more than just the price. Some important questions to ask are:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How much will you save each year by using a higher deductible?
  • Do they review policy coverages at every renewal?
  • Do they feel the quoted coverages are adequate?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Does the agency provide any after hours assistance?
  • Do they carry Errors and Omissions coverage?
  • Does the agency support the community they serve?

Upon getting satisfactory answers and an affordable coverage quote, it’s possible that you found an insurance agent that is a good match to insure your vehicles.

Additional auto insurance information can be read on the website for the Missouri Department of Insurance found here. Missouri consumers can get help finding coverage, read industry bulletins, and read enforcement actions against agents and companies.