Find Cheap Billings Auto Insurance

Shopping for cheap Billings auto insurance on the web is rather challenging for beginners to online price comaprisons. Because there are so many online companies, how can consumers effectively compare every one to find the best available rates?

Choosing the best insurance company for you in Billings is not that difficult. If you have car insurance now, you should be able to cut costs considerably using these techniques. Although Missouri drivers do need to know the way companies market insurance on the web because it can help you find the best coverage.

Don't pay full price with these discounts

Companies offering auto insurance do not advertise every discount very clearly, so we researched both well-publicized and the harder-to-find ways to save on auto insurance.

  • Government Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
  • Save over 55 - If you qualify as a senior citizen, you may receive better auto insurance rates.
  • Low Mileage Discounts - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Safety Course Discount - Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Distant Student - Any of your kids who are attending college and don't have a car may be able to be covered for less.
  • Accident Waiver - Certain companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, you won't be that lucky.

Your personal situation dictates your coverage

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's situation is unique.

Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Is my vehicle covered for flood damage?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • Why does it cost so much to insure a teen driver in Billings?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

The auto insurance bait and switch

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make the same claim about savings if you change to their company. How does each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A driver who matches those parameters is entitled to the best price and therefore will save when switching.

Drivers who don't measure up to these standards will be quoted higher premiums which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save that much. This is how companies can truthfully state the savings. This emphasizes why you should get as many quotes as possible. It is impossible to predict which insurance companies will have the lowest rates.

Even more information is located at the Missouri Department of Insurance website. Missouri consumers can read industry bulletins, learn about insurance regulations, and discover disciplinary actions.

Billings auto insurance comparison

Final considerations

Insureds leave their current company for any number of reasons including high rates after DUI convictions, denial of a claim, delays in responding to claim requests and even an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies is less work than it seems.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability coverage limits only to discover later that they should have had better coverage. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

The cheapest auto insurance is attainable online and also from your neighborhood Billings agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.