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

I can't think of anyone who looks forward to buying auto insurance, in particular when the cost is way too high. Drivers have multiple to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates.

It's important to take a look at other company's rates periodically because insurance rates are constantly changing. Even if you got the best price on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because we're going to demonstrate the tricks you need to know to find the best coverage while lowering your premiums.

Pricing the cheapest protection in Brunswick is quite easy. If you have a current auto insurance policy or need new coverage, you can follow these tips to find better prices and possibly find even better coverage. Missouri drivers only need an understanding of the proper methods to compare prices over the internet.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but a few need to be inquired about before being credited. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Discount for New Cars - Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Life Insurance Discount - Larger companies have a discount if you purchase auto and life insurance together.
  • Save over 55 - Mature drivers may be able to get better auto insurance rates.
  • Driver Safety - Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.

It's important to understand that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

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

Brunswick auto insurance comparison

Brunswick Auto Insurance Comparisons

Effectively comparing auto insurance prices can be exhausting if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in Brunswick, or you can stay home and use online quoting to quickly compare rates.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and at least one company then gives them pricing for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one downside to getting quotes like this is that consumers can't choose which carriers to receive prices from. So if you prefer to choose specific insurance companies to request quotes from, we have a listing of the cheapest auto insurance companies in Missouri. Click to view list.

However you get your quotes, be sure to compare identical information for each comparison quote. If you use higher or lower deductibles it will be very difficult to determine the lowest rate in Brunswick.

Brunswick Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Knowing what determines base rates enables informed choices that may reward you with big savings.

  • Mature drivers pay less - Teen drivers in Missouri are known to be more careless behind the wheel so they pay higher auto insurance rates. Parents adding a youthful driver to your auto insurance policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and are safer drivers.
  • Traffic violations increase rates - Just one moving violation can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • More people means more accidents - Living in less populated areas can be a good thing when insuring your vehicles. Urban drivers have much more traffic and longer commute times. Lower population translates into fewer accidents.
  • Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. They both have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive auto insurance rates.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and your policy should reflect that. For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Missouri minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • Should I rate my vehicle as pleasure use or commute?
  • Why does it cost so much to insure a teen driver in Brunswick?

If you can't answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Missouri consumers can't get away from ads for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings after switching to their company.

How does each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the driver that is profitable for them. For example, a desirable insured could possibly be between 30 and 50, a clean driving record, and has great credit. A driver that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently advertise the savings.

Because of the profiling, drivers must quote coverage with many companies. It is impossible to predict which company will fit your personal profile best.

A tidy conclusion

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. There are many occasions where someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price.

In this article, we presented a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas compared to the large companies like .

Low-cost auto insurance can be purchased online and also from your neighborhood Brunswick agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Missouri auto insurance

Additional Missouri consumer information

Additional auto insurance information can be found on the website for the Missouri Department of Insurance. Click here for link. Missouri consumers can read enforcement actions against agents and companies, file complaints about a company, view agent and company licensing information, and learn about insurance regulations.