8 Ways You Can Buy Car Insurance for Less in Ava Missouri
Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are a lot of people in Ava just like you who feel imprisoned by their car insurance policy.
Companies like GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.
It's important to price shop coverage at least once a year since rates are constantly changing. Just because you found the lowest rates a few years ago you may be paying too much now. Starting right now, block out anything you think you know about car insurance because we're going to show you the tricks you need to know to lower your annual insurance bill.
How to Compare Ava Car Insurance Costs
The are a couple different ways to compare rate quotes from car insurance companies in your area. The recommended way to compare insurance prices is to get quotes online. This can be accomplished using a couple different methods.
The first (and easiest) way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method saves time by eliminating repetitive form entry for every car insurance company. Completing one form gets you price quotes direct from many companies.
A different way to shop for car insurance online requires visiting the website for each individual company to complete a price quote. 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 policy data, and that's why the first method is more popular.
For a list of links to companies insuring cars in Ava, click here.
The least efficient method to get comparison rates is to drive around to different Ava agent offices. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice of a local Ava agent. You can, however, compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.
Whichever way you use, compare exactly the same quote information with each company. If you compare mixed coverages you will not be able to make an equal comparison in Ava. Just a small difference in limits may result in large price differences. Just keep in mind that comparing more company's prices will improve the odds of getting the best offered rates.
Policy discounts you shouldn't miss
Companies that sell car insurance don't list every available discount in a way that's easy to find, so we break down some of the more common and the harder-to-find car insurance savings.
- Anti-theft Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
- Low Mileage - Fewer annual miles can earn lower rates on the low mileage vehicles.
- Homeowners Discount - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
- Federal Government Employee - Simply working for the federal government can save as much as 8% with certain companies.
- Drivers Ed for Students - Require your teen driver to take driver's ed class if it's offered in school.
- Driver Safety - Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
- Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Discount for Good Grades - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
Keep in mind that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think it's possible to get free car insurance, it just doesn't work that way.
For a list of providers who offer car insurance discounts in Ava, follow this link.
Additional detailed information can be found at the Missouri Department of Insurance website. Consumers can read consumer alerts, discover disciplinary actions, report car insurance fraud, and download brochures.
Affordable insurance is out there
As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. Too many times, an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Affordable car insurance can be sourced from both online companies in addition to many Ava insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.
