Tightwads Guide to Saving on Buffalo Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say there are a lot of people in Buffalo just like you who feel imprisoned by their auto insurance policy.

Because there are so many online and local companies to choose from, it is hard for the average consumer to pick the most affordable insurer.

It's important to get comparison quotes at least once a year because insurance rates are constantly changing. Even if you got the best rates two years ago you can probably find a lower rate today. There is a lot of wrong information about auto insurance online but we're going to give you some great ways to find affordable auto insurance.

This article will tell you the most effective way to quote insurance and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Although Missouri drivers do need to know the way companies price insurance differently.

How to Compare Buffalo Auto Insurance Costs

There are multiple methods to compare auto insurance prices and some are less time-consuming than others. You can spend countless hours talking about coverages with agents in Buffalo, or you can stay home and use the web for quick rates.

The majority of car insurance companies participate in a marketplace that enables customers to submit one quote, and every company can give them a price for coverage. This system prevents you from having to do quote requests to each individual auto insurance company.

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

The one disadvantage to using this type of form is you can't choose the providers you want to price. So if you want to select specific providers for rate comparison, we put together a list of the cheapest auto insurance companies in Missouri. Click to view list.

It doesn't matter which method you choose, just compare apples-to-apples information with each company. If you use higher or lower deductibles you will not be able to make an equal comparison in Buffalo. Having just a slight variation in coverages could mean much higher rates. Just keep in mind that having more price comparisons gives you a better chance of getting the best price.

Don't pay full price with these discounts

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount.

Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you may save up to 20% off your total premium.
Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Military Discounts - Having a family member in the military may qualify for rate reductions.
No Claims - Drivers with accident-free driving histories pay less compared to bad drivers.
Low Mileage - Fewer annual miles could qualify for better rates on cars that stay parked.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. 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 your premiums.

To see a list of providers who offer auto insurance discounts in Missouri, click this link.

Find out more about auto insurance

Additional information can be read on the website for the Missouri Department of Insurance. Click here for link. Missouri consumers can read consumer alerts, discover disciplinary actions, view agent and company licensing information, and file complaints about a company.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Buffalo agent directory.