Car Insurance in Elsberry Missouri - 5 Tricks to Save Money

Beginners to buying insurance online might discover finding the cheapest Elsberry car insurance quite difficult.

More discounts equal less premium

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but some must be manually applied before they will apply.

  • Military Rewards - Having a deployed family member may qualify for rate reductions.
  • Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, you're out of luck. But any discount will bring down your premiums.

compare Elsberry car insurance rates

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight if you may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required Missouri minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • 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?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing that you can save after switching to them. How does each company make the same claim?

All companies have a certain "appetite" for the type of driver that earns them a profit. An example of a driver they prefer could be over the age of 50, a clean driving record, and has a short commute. Any new insured who fits that profile will get the preferred rates and therefore will save when switching.

Consumers who do not match these standards will be quoted higher rates which usually ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save money. That is how insurance companies can make the claims of big savings.

This emphasizes why drivers should quote coverage with many companies. It's just too difficult to predict which company will fit your personal profile best.

More information is available on the Missouri Department of Insurance website located here. Consumers can find disaster information, file complaints about a company, and view agent and company licensing information.

Also read more on this page for car insurance prices in Missouri and this page of Elsberry insurance agents.

Missouri car insurance

The best insurance company isn't always the cheapest

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, high prices, delays in paying claims and even policy non-renewal. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.

You just learned many ways to reduce car insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the biggest savings come from a small local company.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.