How to Find Low-Cost Advance Auto Insurance

Finding better rates for Advance auto insurance is challenging for consumers not familiar with shopping for insurance online. People have so many choices that it can quickly become a lot of work to compare prices in Advance.

The purpose of this article is to let you in on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you should be able to save some money using these techniques. Although Missouri vehicle owners do need to know the way insurance companies compete online and take advantage of how the system works.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting premiums.

Safe vehicles cost less to insure - Safer cars tend to have better insurance rates. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, executives and stock brokers tend to have the highest rates due to high stress levels and long work hours. On the other hand, jobs such as farmers, students and performers receive lower rates.
Teen drivers pay high rates - Teenage drivers in Missouri are known to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
Poor credit can mean higher rates - A driver's credit history is a big factor in your rate calculation. Therefore, if your credit is not that good, you could save money insuring your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
Discounts for married couples - Being married can get you a discount on your auto insurance policy. Having a spouse means you're more responsible and statistics show drivers who are married are more cautious.
Do you qualify for a multi-policy discount? - Many auto insurance companies will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to comparison shop to ensure the best deal. You may still find better rates by insuring with multiple companies.
Bump up deductibles to save - Physical damage deductibles represent how much money you are required to spend in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and rolling your vehicle. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.
Do you need those extra coverages? - There are a ton of extra bells and whistles that you can get tricked into buying if you aren't careful. Things like personal injury protection, accidental death and term life insurance may be wasting your money. These may sound like a good investment initially, but if they're wasting money remove them from your policy.

How to Compare Advance Auto Insurance Rates

All major auto insurance companies provide coverage prices directly from their websites. Getting online quotes is quite simple as you just enter into the quote form. After the form is submitted, their system will obtain credit information and your driving record and generates pricing information determined by many factors.

This helps simplify price comparisons, but the time it takes to visit different websites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

The preferred way to lower your auto insurance bill requires only one form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable and efficient. Once the form is submitted, it gets priced and you can select any or none of the resulting price quotes.

If you find a better price you simply finish the application and purchase the new policy. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and enter your information. If you have a policy now, it's recommended you duplicate the coverage information as close as possible to your current policy. This makes sure you will have a price comparison for the exact same coverage.

More discounts equal less premium

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

Service Members Pay Less - Having a family member in the military may qualify for rate reductions.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% depending on your company.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
Passive Restraints - Vehicles equipped with air bags can receive discounts of 20% or more.
No Accidents - Claim-free drivers can earn big discounts when compared with accident-prone drivers.
Paperless Signup - Some insurance companies give back up to $50 for buying your policy online.
One Accident Forgiven - Some insurance companies allow you one accident before hitting you with a surcharge so long as you haven't had any claims for a certain period of time.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your premiums.

To choose insurers who offer auto insurance discounts in Missouri, click this link.

Switch companies and save? Really?

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim about savings after switching to their company. But how can every company say the same thing? It's all in the numbers.

Different companies can use profiling for the driver that makes them money. An example of a profitable customer might be profiled as a mature driver, is a homeowner, and has a high credit rating. A propective insured who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile must pay a higher premium which leads to business not being written. The ad wording is "customers who switch" not "everyone that quotes" save that much. That's why companies can truthfully state the savings.

This illustrates why you need to get quotes from several different companies. It's not possible to predict the company that will have the lowest rates.

Additional information is available on the Missouri Department of Insurance website found here. Missouri drivers can find disaster information, read industry bulletins, and read enforcement actions against agents and companies.

Other informative sites include this page for auto insurance prices in Missouri and this page of Advance insurance agents.

Final considerations

The cheapest auto insurance can be bought on the web and also from your neighborhood Advance agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, not issuing a premium refund or even poor customer service. It doesn't matter why you want to switch finding a new auto insurance company is easier than you think.

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.