How to Know You're Wasting Money for Car Insurance in Butler

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you are not the only one feeling buyer's remorse. Numerous battle for your hard-earned dollar, so it can be very hard to choose a to discover the definitive lowest rate

It's important to compare rates every six months due to the fact that insurance rates are constantly changing. Even if you got the best rates a few years ago you may be paying too much now. You can find a lot of wrong information about car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.

If you have a current car insurance policy or need new coverage, you can use these techniques to find better prices while maintaining coverages. Choosing the best insurance company for you in Butler is easy if you know what you're doing. Missouri vehicle owners just need to know how to find the lowest price over the internet.

Comprehensive Butler Car Insurance Comparison

There are multiple methods to compare car insurance prices and some are easier and takes less work. You could spend your day talking about coverages with agents in Butler, or you could save time and use online quotes to get pricing more quickly.

All the larger companies belong to an insurance system that enables customers to send in one quote, and each company can give them a price determined by their information. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is that you can't choose which companies you want to price. If you prefer to choose specific insurance companies for rate comparison, we have a page of car insurance companies in Missouri. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing the exact same information for every quote you compare. If your comparisons have higher or lower deductibles it's impossible to determine the best price in Butler.

You have some control over your rates

It's important that you understand the rating factors that help determine the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that can help you get big savings.

The following are some of the items car insurance companies consider when setting your rates.

Consolidate policies to earn discounts - Many car insurance companies give discounts to insureds who buy several policies from them. It's known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to shop around to ensure the best deal. You may still find a better deal by buying insurance from more than one company.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be a windshield shattered by a rock, vandalism, and burglary. Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your car insurance will be.
Proper usage rating affects rates - Driving more miles in a year the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Autos not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage is showing the proper vehicle usage.
Extra add-on coverages are wasting money - There are a ton of extra coverages you can purchase when buying car insurance. Coverages like personal injury protection, better glass coverage and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they're wasting money get rid of them and save.
Older drivers save more - Older insureds tend to be more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
Your location affects your rates - Choosing to live in less populated areas has it's advantages when talking about car insurance. Less people living in that area translates into fewer accidents and a lower car theft rate. Drivers in populated Missouri areas have congested traffic and much longer commute distances. More time commuting translates into higher accident risk.

Don't pay full price with these discounts

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Most are applied at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit. If they aren't giving you every credit possible, you're just leaving money on the table.

Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
Auto/Life Discount - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Driver Safety - Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
Resident Student - Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Multi-policy Discount - When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Service Members Pay Less - Having a family member in the military may qualify for rate reductions.
Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Save with a New Car - Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.

Drivers should understand that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will cut your premiums.

For a list of providers who offer car insurance discounts in Butler, click this link.

Much more information about car insurance in Missouri can be read on the website for the Missouri Department of Insurance located here. Visitors are able to read consumer alerts, report car insurance fraud, file complaints about an insurance agent or broker, and discover disciplinary actions.

In the end, you save

When shopping online for car insurance, you should never reduce needed coverages to save money. Too many times, someone sacrificed full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Budget-conscious car insurance can be purchased both online and also from your neighborhood Butler agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

We just presented many ideas to lower your car insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as .