Free Guide to Saving Money on Jefferson City Auto Insurance Online

Having to pay for overpriced auto insurance can overdraw your bank account and make it impossible to make ends meet. Comparing price quotes is a smart way to cut your insurance bill.

Drivers have so many to buy insurance from, and even though it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

Buying car insurance in Jefferson City is quite easy. Basically, anyone who has to buy auto insurance should be able to reduce their rates. Nevertheless, Missouri drivers do need to know how the larger insurance companies price insurance differently and apply this information to your search.

Take advantage of discounts

Car insurance companies don't always advertise every discount very clearly, so we took the time to find both well-publicized and also the lesser-known auto insurance savings.

  • Government Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
  • Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Discount for Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Clubs and Organizations - Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.
  • Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Own a Home - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.

It's important to understand that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. So when it seems like it's possible to get free car insurance, it doesn't quite work that way.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that help determine the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Do you have a high stress job? - Did you know that where you work can have an impact on rates? Careers like lawyers, architects and financial analysts have higher average rates due to job stress and lengthy work days. Conversely, professions such as pilots, engineers and performers get better rates.
  • Older drivers pay less - Teen drivers in Missouri are known to be careless and easily distracted when driving so they pay higher auto insurance rates. Parents adding a youthful driver onto a policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Please use or commuting - Driving more miles in a year's time the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance coverage shows the proper vehicle usage.
  • Marriage brings a discount - Having a spouse can get you a discount when buying auto insurance. Having a significant other translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Protect yourself with liability coverage - Liability coverage is the protection when a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the financial responsibility laws in Missouri?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?
  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing of big savings after switching your coverage to them. How does each company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. For example, a driver they prefer could possibly be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when switching.

Drivers who don't qualify for these standards will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "customers who switch" not "people who quote" save that much money. This is how insurance companies can confidently claim big savings. This emphasizes why drivers should compare as many rates as you can. It's impossible to know which insurance companies will give you the biggest savings.

More tips and info about auto insurance can be found at the Missouri Department of Insurance website. Missouri consumers can read industry bulletins, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and get help finding coverage.

Jefferson City auto insurance comparison

Final considerations

When trying to cut insurance costs, never skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

Low-cost auto insurance can be purchased online as well as from independent agents in Jefferson City, so you should be comparing quotes from both to have the best selection. A few companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.