How Much are Car Insurance Quotes for Drivers with a DUI in Missouri?

Writing this article would sure be easy if we could simply give you the name of the single best car insurance company that is cheapest in Missouri. Regrettably, it’s not quite that easy, as there are a ton of unknowns like your credit score, if you own your home, and the level of deductible you choose, that all factor into the price you pay. This article goes into detail about the best ways to avoid overpriced car insurance and educate you enough to have a good beginning to your quest for cheaper car insurance in Missouri.

The make and model of vehicle you are trying to insure is one of the largest considerations that determines if you can find low-cost coverage for drivers with a DUI. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The next tables illustrates auto insurance costs for some of the cheapest automobiles to buy coverage for.

Data based on married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in zip code location which can lower or raise insurance rates greatly.

Table data assumes married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in zip code location which can increase or decrease insurance rates greatly.

Data based on married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in zip code location which can raise or lower prices substantially.

One of the more important considerations used to establish the amount you pay each year for auto insurance is the neighborhood you call home in Missouri. Urban areas that are densely populated like Florissant, University City, and Raytown will most likely pay more, whereas areas that are not as densely populated generally pay less for insurance.

The next table illustrates the most expensive cities in Missouri for drivers with a DUI in which to buy car insurance.

Premium amounts are comparative as the specific zip code location can alter coverage rates considerably.

Cost of full coverage in Missouri

Finding cheap car insurance for drivers with a DUI in Missouri should be important to most vehicle owners, and one good way to lower the cost of insurance is to not buy full coverage. The chart below compares insurance premiums with and without full coverage. The data assumes a clean driving record, no claims, $500 deductibles, drivers are single, and no other discounts are factored in.

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If all age groups are averaged, physical damage coverage on your policy costs an extra $1,262 per year more than carrying just liability coverage. That is a big expense that brings up the question if buying full coverage is worth the money. There is no set rule for excluding full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

Cheap insurance quotes after getting a DUI

You have a lot of ways to quote and buy auto insurance in Missouri, but the most frequently used are either through an independent or non-exclusive agent, an exlusive agent such as Liberty Mutual or Allstate, or buying direct from a company like Progressive or Geico. All three ways are similar, but auto insurance buyers need to understand the differences in how they work.

Independent insurance agents work for many companies and can provide price quotes from all of them. Agents of this type do not work for one specific company and can give you more rates, which may give you improved chances of finding a lower rate. If they find a lower price, your policy is moved internally and you don’t have to do anything.

Exclusive agents are only able to place business with one company, examples being a Liberty Mutual or State Farm agent. These agents are unable to quote rates from more than one company, so smart shoppers will want to get additional comparison quotes.

When you buy auto insurance direct, you bypass either of the other two types of agents and instead shop direct either online or via phone. Shopping direct is good for drivers who do not have a complex risk profile and have an above average understanding of the limitations of their policy.

So which method is best to buy cheap car insurance for drivers with a DUI in Missouri? It would be simple to say shopping direct saves money since that eliminates agent commissions, but that generally is not the case. It would also be easy to say an independent agent saves the most money because you have more choices, but that’s not always true, either. And often times, exclusive agents have really good rates that cannot be met by either independent or direct companies.

Because there is so much variation in auto insurance prices, the guaranteed way to get the lowest rate is to get rate quotes and compare. Money-saving experts recommend you get prices from all three types to have enough rates to compare. For a list of companies offering online discounts in Missouri, click here to view.

How to find economical insurance for drivers with a DUI

It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help Missouri drivers quote the cheapest auto insurance.

• Safer vehicles cost less to insure
• Drop full coverage on older vehicles
• Higher credit scores may earn you cheaper rates
• Being accident-free can lower rates significantly
• Bundle home and auto and earn a discount
• Keep rates low by shopping around frequently

That last tip is extremely crucial, as we discussed in the prior article. Insurance prices in Missouri can change in a short period of time, so you should be ready to switch carriers if you find a cheaper price.

Having a favorite company is great, but it isn’t a good idea if that faithfulness ends up costing you a considerable chunk of change every month. It only takes a couple minutes to compare prices to find cheaper insurance for drivers with a DUI.