Top 10 Ways to Save on Car Insurance in Gravois Mills, MO

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Missouri drivers. Drivers have so many to pick from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices once or twice a year since rates are constantly changing. Even if you think you had the best rates six months ago you can probably find a better price now. Don't believe everything you read about car insurance online but we're going to give you some great ways to quit paying high car insurance rates.

Finding affordable coverage in Gravois Mills is not that difficult. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Missouri consumers only need to know the most effective way to compare company rates on the web.

Be sure to get all your discounts

Car insurance companies don't always advertise every available discount very clearly, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If you're not getting every credit available, you are paying more than you should be.

Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Drivers Education - Cut your cost by having your teen driver take driver's ed class if offered at their school.
Safety Course Discount - Successfully completing a driver safety course could save 5% or more if your company offers it.
Multi-policy Discount - If you insure your home and vehicles with one company you will save at least 10% off all policies.
Homeowners Pay Less - Being a homeowner can save you money because maintaining a house demonstrates responsibility.
Claim Free - Claim-free drivers pay less compared to accident-prone drivers.
One Accident Forgiven - Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
Organization Discounts - Belonging to a qualifying organization may earn a discount on your policy.
Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you could save up to 5%.
E-sign - A few companies will give a small break for buying your policy over the internet.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To choose providers with discount car insurance rates in Missouri, click here.

Is there truth in advertising?

Consumers can't ignore all the ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads have a common claim about savings if you change your coverage to them.

How does each company make the same claim? It's all in the numbers.

Insurance companies can use profiling for the type of customer that makes them money. A good example of a preferred risk could be a mature driver, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will be charged higher prices and this can result in business going elsewhere. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully state the savings. That is why you should get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

More Missouri car insurance information

Even more information can be read at the Missouri Department of Insurance website. Consumers can read consumer alerts, view a list of available companies, discover disciplinary actions, and view agent and company licensing information.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Gravois Mills agent directory.

In the end, you save

As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. Too many times, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

The cheapest car insurance is attainable from both online companies as well as from independent agents in Gravois Mills, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don't offer online price quotes and many times these small insurance companies only sell through independent insurance agents.