9 Best Tips to Lower Car Insurance Costs in La Belle, MO

Are you sick and tired of scraping the payment together each month for car insurance? You're in the same situation as many other Missouri drivers.

Having so many insurance companies to choose from, it can be challenging to locate the most cost effective insurance company.

It's important to compare prices before your policy renews since rates are constantly changing. Just because you found the best price last year a different company probably has better rates today. Forget all the misinformation about car insurance because you're about to learn the quickest way to lower your rates without sacrificing coverage.

How much can you save with these nine discounts?

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for prior to getting the savings.

Homeowners Pay Less - Owning a house in La Belle may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
No Accidents - Claim-free drivers can save substantially as compared to drivers who are more careless.
Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
Sign Online - Certain companies may give you up to $50 for buying your policy online.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
College Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
One Accident Forgiven - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to say the same thing about savings if you change to their company. But how can every company claim to save you money?

All companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be a mature driver, is a homeowner, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the savings.

Because of the profiling, drivers should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Additional information can be found on the website for the Missouri Department of Insurance located here. Visitors are able to report car insurance fraud, read industry bulletins, find out industry alerts, and get help finding coverage.

Also read more on this page for Missouri car insurance and this page for help finding agents in La Belle, MO.

Final considerations

Cheap car insurance can be sourced both online and also from your neighborhood La Belle agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, do not skimp on coverage in order to save money. In many cases, an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford.