Uncover Proven Techniques to Save on Springfield Missouri Car Insurance

Feel like you’re a prisoner to an overpriced car insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

Because you have many companies to choose from, it can be hard to find the cheapest company.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at the time of quoting, but lesser-known reductions have to be asked about in order for you to get them.

  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce the amount you have to pay.

To see a list of providers with the best car insurance discounts in Springfield, click here to view.

What happened to insurance agents?

A small number of people would rather sit down with an agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates and still choose a local agent. Buying from local agencies is important especially in Springfield.

After filling out this simple form, your information is submitted to local insurance agents who will return price quotes for your business. There is no need to leave your computer since price quotes are sent directly to your email. How’s that for easy! You can find better rates AND an agent nearby.

Do you need an independent or captive insurance agency?

When finding a reliable agent, you need to know there are two types of agencies to choose from. Springfield agents can either be independent or captive.

Independent Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.Springfield Missouri insurance comparisons

When shopping rates, it’s a good idea to get quotes from multiple independent agents for maximum quote selection.

Below are Springfield independent agencies who may be able to give you price quote information.

Mutual Of Omaha Insurance Co – 3039 S Fort Ave # B – Springfield, MO 65807 – (417) 880-4598
Direct General Ins Agency – 2902 S Campbell Ave – Springfield, MO 65807 – (417) 823-7680
Greg Iott Agency Inc – 1624 S Enterprise Ave – Springfield, MO 65804 – (417) 886-0500
Commercial Insurance Undrwrtrs – 305 W Walnut Lawn St – Springfield, MO 65807 – (417) 883-3277
Chris Pop Agency – 535 N West Byp # E – Springfield, MO 65802 – (417) 865-0044

Captive Insurance Agents

Captive agencies can only place business with one company such as State Farm or Allstate. These agents are unable to shop your coverage around so always compare other rates. Captive agencies are trained well on the products they sell and that can be a competitive advantage.

Listed below is a list of captive insurance agencies in Springfield willing to provide price quote information.

American Family Insurance – 2975 E Chestnut Expy – Springfield, MO 65802 – (417) 863-7300
Allstate Insurance – 1601 W Sunshine St # J – Springfield, MO 65807 – (417) 864-4248
Liberty Mutual Insurance – 3556 S Culpepper Cir # 1 – Springfield, MO 65804 – (417) 882-4222
Shelter Insurance – 3110 S Delaware Ave – Springfield, MO 65804 – (417) 886-5044
Farm Bureau Insurance – 3433 S Campbell Ave # Y – Springfield, MO 65807 – (417) 886-3222
Farmers Insurance Group – 3041 S Kimbrough Ave – Springfield, MO 65807 – (417) 881-2766
State Farm Insurance – 510 N West Byp – Springfield, MO 65802 – (417) 869-4640

To view a full list of Springfield captive insurance agencies, view this link.

Choosing an auto insurance agent requires more thought than just the price. These are valid questions to ask:

  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is their price quote a firm figure or are their hidden costs?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the company allow you to choose your own collision repair facility?
  • Does the agency have a good rating with the Better Business Bureau?

Once you have received acceptable answers to your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that meets your needs to properly service your car insurance policy.

Springfield MO car insurance quote

Buyer beware of car insurance advertising tricks

GEICO, State Farm and Progressive continually stream television and radio advertisements. All the companies make an identical promise that you’ll save big after switching your policy. But how can every company make almost identical claims?

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A propective insured who matches those parameters receives the best rates and most likely will save when switching.

Potential customers who don’t qualify for the “perfect” profile must pay higher premiums which usually ends up with business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully state the savings.

This illustrates why you should compare as many rates as you can. Because you never know which car insurance company will provide you with the cheapest rates.

Additional car insurance information can be read on the website for the Missouri Department of Insurance found here. Missouri consumers can find a variety of consumer forms, read consumer alerts, find out industry alerts, and discover disciplinary actions.

One last thing about your coverage

You just learned many ways to get a better price on car insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from the least-expected company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as GEICO and State Farm.

While you’re price shopping online, you should never reduce coverage to reduce premium. Too many times, drivers have reduced physical damage coverage only to find out that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.