Getting Cheap Cairo Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are a lot of people in Cairo just like you who feel imprisoned by their auto insurance policy. Drivers have multiple to pick from, and though it is a good thing to have a selection, it can be more challenging to compare rates.

It's important to compare prices every six months because insurance rates are constantly changing. Even if you got the best price last year 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 only way to buy cheaper auto insurance.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but you can get discounts that many people don't even know exist. Some discounts apply automatically when you get a quote, but a few need to be asked for before you will receive the discount. If you're not getting every credit possible, you're paying more than you need to.

  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Drive Less and Save - Driving fewer miles can earn better rates on cars that stay parked.
  • No Charge for an Accident - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. 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 bring down the amount you have to pay.

To see a list of companies offering auto insurance discounts in Missouri, click this link.

Comprehensive Cairo Auto Insurance Comparison

Comparing auto insurance rates can take time and effort 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 Cairo, or you can stay home and use the web to get prices fast.

Many insurance companies enroll in a system that allows shoppers to send in one quote, and each participating company then gives them pricing determined by their information. This system prevents you from having to do 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 doing it this way is you don't know exactly which carriers you want pricing from. If you prefer to choose specific providers to receive pricing from, we put together a list of the cheapest auto insurance companies in Missouri. Click here for list of insurance companies in Missouri.

It's up to you how you get prices quotes, just ensure you are comparing identical coverage limits and deductibles for each price quote. If your comparisons have different liability limits you will not be able to truly determine the lowest rate in Cairo.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

  • Discounts for married couples - Having a spouse can actually save you money on your auto insurance policy. It means you're more responsible it has been statistically shown that being married results in fewer claims.
  • Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, or theft. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
  • Poor credit can mean higher rates - Credit score is a huge factor in calculating your auto insurance rates. If your credit history is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Drive less and save money - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Autos left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance policy shows how each vehicle is driven.
  • Don't get talked into coverage you don't need - There are many extra coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.
  • Battle of the sexes - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men have accidents in similar percentages, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.

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

Missouri consumers can't get away from ads that promise big savings by State Farm, GEICO and Progressive. They all seem to make the same claim about savings if you switch to their company.

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

All companies are able to cherry pick for the driver that is profitable for them. For example, a desirable insured could possibly be over the age of 50, has no driving citations, and drives newer vehicles. A driver who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will have to pay higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict which auto insurance company will give you the biggest savings.

In the end, you save

Cheaper auto insurance can be found online and also from your neighborhood Cairo agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, make sure you don't reduce coverage to reduce premium. In many cases, someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage for the lowest price.

In this article, we presented some good ideas how to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

Learn more about Missouri auto insurance

Additional information can be found on the website for the Missouri Department of Insurance. Click here for link. Missouri consumers can get help finding coverage, report car insurance fraud, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include this site for Missouri auto insurance information and see this list of insurance agents in Cairo.