Car Insurance in Stover - 9 Discounts You Might be Missing

Scraping up a payment for overpriced car insurance can overdraw your bank account and make it hard to pay other bills. Doing a price comparison is a great way to help make ends meet. Numerous battle for your hard-earned dollar, and because of this it can be hard to compare to get the lowest price

It's important to shop coverage around quite often since rates are constantly changing. Even if you got the lowest price a few years ago you may be paying too much now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the only way to get good coverage at a lower rate.

If you have insurance now or are looking for a new policy, you can use these techniques to find the best rates while maintaining coverages. Buying car insurance in Stover is easy if you know what you're doing. Missouri vehicle owners just need to know how to get comparison rates online.

Free Quotes for Car Insurance in Stover, Missouri

Getting better car insurance pricing is surprisingly easy. You just have to spend a few minutes comparing rates provided by online insurance companies. This is very easy and can be done using a couple different methods.

The first (and easiest) way to find low rates is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do separate quotes for each company you want a rate for. One form compares rates instantly.

A more time consuming way to get quotes online is going to each company's website to request a price quote. For instance, let's say you want comparison quotes from , and . To get each rate you have to go to every website and enter your information, which is why the first method is more popular.

To view a list of companies in Stover, click here.

Whichever method you choose, make darn sure you compare the exact same coverage limits and deductibles for each price quote. If you are comparing different liability limits it will be impossible to truly determine the lowest rate in Stover.

Save big with these nine discounts

Car insurance companies do not advertise all their discounts in an easy-to-find place, so we researched both the well known as well as the least known discounts you could be receiving. If they aren't giving you every credit you deserve, you're just leaving money on the table.

College Student - Youth drivers who are attending college and do not have a car may qualify for this discount.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Life Insurance Discount - Select insurance companies reward you with lower rates if you buy life insurance.
Defensive Driver - Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
Lower Rates for Military - Being deployed with a military unit could mean lower rates.
Own a Home - Owning a house in Stover can save you money because owning a home shows financial diligence.
Government Employees - Simply working for the federal government could cut as much as 10% off with select insurance companies.
Good Student Discount - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
Club Memberships - Being a member of certain professional organizations may earn a discount on car insurance.

Drivers should understand that some credits don't apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

For a list of companies offering car insurance discounts in Stover, click here.

But I don't know anything about car insurance

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's needs are different and your policy should reflect that. These are some specific questions may help you determine if your situation could use an agent's help.

Why does it cost so much to insure a teen driver in Stover?
What are Missouri no-fault laws?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Do I really need UM/UIM coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

More detailed Missouri car insurance information is located at the Missouri Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, read consumer alerts, file complaints about an insurance agent or broker, and discover disciplinary actions.

Best coverage at the best price

When shopping online for car insurance, never reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at a price you can afford.

Budget-conscious car insurance can be found both online as well as from independent agents in Stover, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies don't offer online quoting and most of the time these small, regional companies sell through independent agents.