6 Discounts Appleton City Consumers Forget when Shopping for Car Insurance

Are you overwhelmed by the number of car insurance choices in Appleton City? Many other consumers are too. You have so many options available that it can turn into a real hassle to find the perfect company for you.

It's important to take a look at other company's rates at least once a year since rates are constantly changing. If you had the best deal a couple years back you will most likely find a better rate today. Starting right now, block out anything you think you know about car insurance because we're going to show you the proper way to reduce your cost while increasing coverage.

Take advantage of discounts

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving. If you aren't receiving every discount possible, you are throwing money away.

  • Sign Online - A few companies will give a small break just for signing your application digitally online.
  • Drive Less and Save - Keeping the miles down can qualify you for a substantially lower rate.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • College Student - Youth drivers who live away from home without a vehicle on campus may qualify for this discount.

It's important to note that some credits don't apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements that promise big savings by State Farm, GEICO and Progressive. They all seem to have a common claim that you can save if you move to their company.

How can each company make the same claim?

Insurance companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured could be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money and this can result in business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that much. That's the way insurance companies can advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

Additional detailed information is available at the Missouri Department of Insurance website. Consumers can get help finding coverage, find disaster information, and download brochures.

car insurance in Appleton City

And the best car insurance company is...

Lower-priced car insurance is possible from both online companies and also from your neighborhood Appleton City agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Drivers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, extreme rates for teen drivers and even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is less work than it seems.

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at a price you can afford.