Easy Methods to Pay Less on Springfield Car Insurance

Are you overwhelmed by the number of car insurance choices in Springfield? Lot's of other consumers are too. People have so many choices that it can turn into a real challenge to find lower rates.

It's important to check car insurance prices at least once a year since rates are constantly changing. Just because you had the best deal last year there may be better deals available now. Starting now, block out anything you think you know about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Take advantage of discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you quote, but lesser-known reductions have to be asked for prior to getting the savings.

  • Sign Online - Certain companies will give a small break just for signing your application digitally online.
  • Defensive Driver - Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.

Keep in mind that most credits do not apply the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it just doesn't work that way. But any discount will reduce your overall premium however.

For a list of companies offering car insurance discounts in Springfield, follow this link.

How to Compare Springfield Car Insurance Costs

There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished using a couple different methods.

One of the best ways to get quotes is to use a rate comparison form click here to open form in new window. This method eliminates the need for separate forms for every car insurance company. Completing one form will return quotes from several companies.It's the quickest way to get rates.

A different way to compare rate quotes is to take the time to go to each individual company website to complete their respective quote request forms. For example, let's assume you want to compare rates from , and . To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in Springfield, click here.

The least efficient method to compare rates is to spend time driving to different agent offices. The internet makes this process obsolete unless you require the professional advice of a local agent. You can, however, compare online quotes and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just compare exactly the same coverages and limits on every quote you get. If you compare different deductibles it will be impossible to determine which rate is truly the best in Springfield. Just a small difference in limits can make a big difference in price. Just keep in mind that quoting more will improve the odds of getting a lower rate.

Final considerations

Affordable car insurance is available from both online companies and with local Springfield insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not offer online quoting and most of the time these smaller companies sell through independent agents.

You just learned a lot of tips how to get a better price on car insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best prices are with a small local company.

As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford.