Finding Cheap Republic Auto Insurance

I can't think of anyone who likes having to buy auto insurance, in particular when they are paying too much.

You have so many to pick from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage occasionally because insurance rates are constantly changing. Just because you found the best deal a year ago a different company probably has better rates today. So forget anything you know (or think you know) about auto insurance because you're about to learn the only way to lower your annual insurance bill.

Policy discounts you shouldn't miss

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to getting the savings.

Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
Low Mileage - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Better credit scores mean better rates - Your credit score is a huge factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit. If your credit history is low, you could potentially save money when insuring your by spending a little time repairing your credit.
How many coverages with the same company - Some companies give discounts to customers who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to compare other company rates to confirm you are receiving the best rates possible.
Lower deductibles cost more - Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, or theft. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be.
Lower miles equals lower premium - The higher the mileage driven each year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money.

Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions might point out whether your personal situation would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Is my cargo covered for damage or theft?
Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads say the same thing about savings if you change your policy. How does each company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that earns them a profit. An example of a preferred risk could possibly be a mature driver, owns a home, and has excellent credit. A driver who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully make those claims.

That is why drivers should get as many quotes as possible. It is impossible to predict which company will have the lowest rates.

For more Missouri car insurance information

Additional information is available on the website for the Missouri Department of Insurance. Click here for link. Missouri consumers can find out industry alerts, read consumer alerts, report car insurance fraud, and file complaints about an insurance agent or broker.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this directory of Republic insurance agents.

Affordable insurance is out there

While you're price shopping online, make sure you don't skimp on coverage in order to save money. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cheap auto insurance can be sourced online in addition to many Republic insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.