Tightwads Guide to Saving on Barnhart Auto Insurance

Are you sick and tired of trying to scrape together enough money each month for car insurance? You're in the same situation as many other Missouri drivers.

Because you have many different company options, it's difficult to pick the cheapest car insurance company.

auto insurance in Barnhart

Cheap Barnhart Auto Insurance Comparisons

The are a couple different ways of comparing rate quotes and find the best price. The best method to find the lowest rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form click to view form in new window. This type of form keeps you from doing repetitive form entry for each company you want a rate for. In just a few minutes this one form gets you price quotes direct from many companies.
  • A less efficient way to shop for auto insurance online requires visiting the website for every company you want to comare and fill out their own quote form. For instance, let's assume you want rates from , and . To get each rate you have to go to every website 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 Barnhart, click here.

However you get your quotes, ensure you're using apples-to-apples quote information for each comparison quote. If your comparisons have mixed coverages you will not be able to determine the lowest rate in Barnhart. Slightly different coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding the best offered rates.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few must be manually applied before being credited.

  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • No Accidents - Claim-free drivers pay much less when compared with bad drivers.
  • One Accident Forgiven - Some insurance companies will allow you to have one accident before raising your premiums so long as you haven't had any claims for a set time period.
  • Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Paperless Signup - A few companies give back up to $50 for buying your policy online.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurers who offer auto insurance discounts in Missouri, click here.

Learn more today

Additional information is located on the website for the Missouri Department of Insurance. Click here for link. Missouri drivers can find disaster information, read industry bulletins, learn about insurance regulations, and read consumer alerts.

Additional helpful sites include this page for auto insurance prices in Missouri and this page of Barnhart insurance agents.