How to Know You're Paying Too Much for Auto Insurance in Boonville

No one in their right mind likes having to buy auto insurance, in particular when they are paying too much. With consumers having so many options when it comes to auto insurance, it is very difficult to pick the most cost effective insurance company.

Shopping for affordable auto insurance in Boonville is easy if you know what you're doing. If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Missouri drivers only need an understanding of the most effective way to buy auto insurance on the web.

Finding Auto Insurance Deals in Boonville, MO

Most companies quote price estimates directly from their websites. Getting online rates is quite simple as you just enter your coverage preferences as detailed in the form. When the form is submitted, the company's rating system will obtain reports for credit and driving violations and returns a price based on these factors. This streamlines rate comparisons, but having to visit different websites and complete many quote forms can be a bit repetitive. But it's very important to perform this step if you are searching for the best price on auto insurance.

There is an easier way!

A quicker way to get multiple rate quotes uses one simple form to get prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the quotes returned.

If a lower price is quoted, it's easy to complete the application and purchase coverage. It can be completed in a matter of minutes and may result in a nice savings.

To save time and find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have coverage now, it's recommended that you enter the coverage information identical to your current policy. This ensures you will have an apples-to-apples comparison for similar insurance coverage.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked for before you will receive the discount. If you don't get every credit you qualify for, you're paying more than you need to.

  • Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Auto/Life Discount - Larger companies have a break if you buy life insurance from them.
  • Safety Course Discount - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, companies don't profit that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurers with discount auto insurance rates in Missouri, click this link.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is a little different so this has to be addressed. For instance, these questions might point out whether you would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?

If it's difficult to answer those questions then you might want to talk to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Additional auto insurance information is located on the website for the Missouri Department of Insurance located here. Missouri consumers can report car insurance fraud, read consumer alerts, find disaster information, and find out industry alerts.

Additional helpful sites include this page for Missouri auto insurance and this page for help finding agents in Boonville, MO.