Cheap Car Insurance for Teachers in Missouri

You have most likely watched the commercials from companies like Allstate, Farmers, and The General that say if you switch you’ll get big savings, so you should just pick the one with the catchiest commercial, right?

It’s just not that easy, however, as there are a ton of unknown factors such as any prior traffic citations, whether you have good or poor credit, and if you have maintained coverage continuously, that all go into determining the rate you pay. The content below will cover the best ways to avoid overpriced car insurance and hopefully give you enough understanding to have some help in finding cheaper rates.

When shopping for the cheapest car insurance for teachers and educators, one of the many considerations used to calculate the amount you pay each year for auto insurance is where you keep your car. Larger areas like Florissant, University City, and Raytown tend to have higher rates, whereas less populated areas generally pay less for car insurance.

The following table shows the higher priced cities in Missouri for teachers to buy auto insurance in.

Premium costs are approximated as the specific zip code location can change price quotes considerably.

Comparing quotes for cheap car insurance is not the easiest thing to accomplish, and finding out which company quotes the lowest-priced car insurance rates for teachers involves a bit more work. Policy prices may be slightly lower-priced than the average price in Missouri, with the lower price attributed to the decrease in risk associated with selling insurance for teachers and educators. Budget-friendly coverage should be readily available from many providers.

Each insurance company has a different process for filing rates in each state, so we’ll go over the car insurance companies with the most affordable rates in Missouri.

Best Insurance Companies for Educators

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USAA normally has some of the cheapest car insurance rates in Missouri at around $668 each year. The Hartford, Allied, Electric, and Travelers also rank well as some of the more affordable Missouri auto insurance companies.

As illustrated above, if you buy coverage from Electric and switched to The Hartford, you might realize annual savings of approxmiately $66. Insureds with Travelers might save as much as $189 a year, and Auto-Owners customers might reduce prices by as much as $198 a year.

Understand that those premium estimates are averaged across all drivers and vehicles in Missouri and do not factor in a rate decrease for teachers. So the company that is most affordable for your situation may not even be in the above list. That underscores the importance of why you need to get rate quotes using your own driver data and vehicle information.

Rate difference between full and liability-only coverage

Finding cheap auto insurance for teachers in Missouri should be important to most drivers, and an effective way to find cheap insurance is to not buy comprehensive and collision coverage. The information below shows the comparison of premium costs with full coverage and liability only. The prices are based on no violations or accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

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Averaged for all ages 20 through 70, full coverage costs an additional $1,498 per year more than just buying liability only. That raises the question if paying for full coverage is worth it. There isn’t a written rule for dropping comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

Best cheap insurance quotes for teachers and educators

Due to technology, there are many ways to get cheap car insurance quotes in Missouri, but the most preferred methods are through an exclusive insurance agency such as Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Progressive.

They all have the same basic principle, but they are slightly different in how they provide price quotes.

Independent agents can place your business with multiple companies and can provide price quotes from each one. These agents are not employed by one specific company and can compare multiple rates, which may give you better odds of saving money. If your agent finds a cheaper company, they simply move the coverage in-house which is easy for the insured.

An exclusive ageny is usually restricted to one company, examples being Farmers Insurance or State Farm agents. They usually cannot shop your coverage around, which will not provide a complete price comparison.

Consumers who buy car insurance direct do not use an independent or exclusive agent and instead shop from a direct company like Progressive or Geico. Shopping direct may be preferred by people who do not have a lot of assets and have a decent understanding of what coverages, limits, and deductibles they need.

Which way works best for finding cheap auto insurance for teachers in Missouri? We wish we could say buying from a direct car insurance company results in the cheapest rates since it doesn’t require paying agent commissions, but that does not always hold true. We could also assume that going through an independent agent results in the best rates since they have more companies to choose from, but that is not necessarily true either. In many cases, exclusive agencies may have very competitive prices that are the lowest in Missouri.

Because there is so much variation in car insurance prices, really the best method to get rock-bottom rates is to get rate quotes and compare. To cover all the bases, get price quotes from all three to get an idea of which is cheapest. For a list of companies offering online discounts in Missouri, click here to view.

How to find cheap auto insurance for teachers in Missouri

The list below details some of the recommended money-saving suggestions that can help Missouri drivers buy cheaper auto insurance.

• Higher credit scores can equal lower rates
• Do not get traffic citations
• Safer vehicles generally have cheaper insurance rates
• Save money by insuring older vehicles for liability only
• Avoid accidents and claims
• Higher deductibles save money
• Compare price quotes at least once a year

The final tip is especially critical, as we hit on in this piece. Prices vary considerably, so don’t hesitate to change insurance companies if you can save money.

Sticking with a specific company is fine, but it isn’t a good idea if it’s costing you a small fortune year after year. Now is a great time to compare rates and find cheaper auto insurance for teachers.