Top Ways to Save on Sedalia Auto Insurance

No one in their right mind looks forward to paying for auto insurance, in particular when the price is too high.

Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons periodically because insurance rates are constantly changing. Even if you think you had the best deal two years ago you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to remove unneeded coverages and save money.

If you have car insurance now, you will be able to save some money using this strategy. Finding the best rates in Sedalia is easy if you know what you're doing. But Colorado drivers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.

Why some people pay less for insurance in Sedalia

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with lower auto insurance prices.

Shown below are some of the factors companies use to determine rates.

Your location affects your rates - Living in a rural area can be a good thing when insuring your vehicles. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Urban drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times can result in more accidents.
Traffic violations increase rates - Just one speeding ticket can increase rates twenty percent or more. Good drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
Safer cars are cheaper to insure - Cars with high safety ratings get lower rates. These vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders.
Optional equipment can affect rates - Owning a car with an alarm system can help bring down rates. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

Are you getting all your discounts?

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but some must be specially asked for before being credited.

Bundle and Save - If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
Drive Less and Save - Low mileage vehicles can qualify you for a substantially lower rate.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if offered at their school.
Safety Course Discount - Completing a course in driver safety can save you 5% or more if your company offers it.
Anti-theft Discount - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
Discount for New Cars - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
Accident Free - Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

To choose companies with discount auto insurance rates in Sedalia, click here.

How can GEICO, State Farm and Progressive save drivers who switch?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to have a common claim that you'll save big if you change to them. How can each company make almost identical claims?

All companies have a certain "appetite" for the type of driver that makes them money. An example of a desirable insured could possibly be a mature driver, a clean driving record, and chooses high deductibles. A driver that hits that "sweet spot" will get very good rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads say "customers that switch" not "everybody who quotes" save money. That is how companies can state the savings.

Because of the profiling, you should quote coverage with many companies. It is impossible to predict which company will give you the biggest savings.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone's situation is a little different and your policy should reflect that. For instance, these questions may help highlight whether you would benefit from professional advice.

What are the best liability limits?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?
Is rental equipment covered for theft or damage?
Do I really need UM/UIM coverage?
Do I need special endorsements for business use of my vehicle?

If you can't answer these questions, then you may want to think about talking to an agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Much more information about auto insurance in Colorado is available on the website for the Colorado DORA Division of Insurance located here. Colorado consumers can view agent and company licensing information, file complaints about a company, find disaster information, and view a list of available companies.

Final considerations

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. In many instances, someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford.

In this article, we presented a lot of techniques to save on auto insurance. It's most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the best price on auto insurance is with some of the lesser-known companies. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as .

Budget-conscious auto insurance is attainable online and with local Sedalia insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.