Cape Girardeau Car Insurance For Less Than You're Paying Now

Purchasing the lowest cost Cape Girardeau car insurance over the internet may be rather challenging for beginners to shopping for insurance online. Because there are so many insurers available, how can you possibly compare every one to find the best pricing?

It's important to shop coverage around yearly due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest rates a year ago you will most likely find a better rate today. Starting right now, ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to find better rates and still maintain coverage.

Finding affordable protection in Cape Girardeau is not that difficult. Basically, anyone who is required by state law to have car insurance will most likely be able to cut their insurance bill. But Missouri consumers do need to know the way insurance companies compete online and use this information to your advantage.

Take advantage of discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be specifically requested in order for you to get them.

Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Drive Less and Save - Fewer annual miles can earn discounted rates on garaged vehicles.
Accident Waiver - Certain companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
Save with a New Car - Adding a new car to your policy is cheaper compared to insuring an older model.
Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
Passive Restraints - Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies don't profit that way. But all discounts will bring down your overall premium however.

How to know if you need help

When it comes to buying adequate coverage for your personal vehicles, there isn't really a perfect coverage plan. Every situation is different.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Cape Girardeau?
Should I buy additional glass protection?
Is my vehicle covered for flood damage?
I have good health insurance, so how much medical payments coverage do I need?
Who is covered when they drive my vehicle?
Do I have coverage when using my vehicle for my home business?

If you're not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make an identical promise that you'll save big after switching your coverage to them. How does each company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured might be a mature driver, has no prior claims, and has excellent credit. Any driver who meets those qualifications will get very good rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save that much money. This is how companies can make those claims.

Because of the profiling, you should get as many comparisons as possible. You cannot predict which insurance companies will have the lowest rates.

Much more information about car insurance in Missouri can be found on the Missouri Department of Insurance website found here. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, and learn about insurance regulations.

Final considerations

While you're price shopping online, never buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage at the best price.

Discount car insurance can be bought both online as well as from independent agents in Cape Girardeau, and you need to price shop both in order to have the best chance of saving money. Some companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

People change insurance companies for a variety of reasons including delays in paying claims, not issuing a premium refund, denial of a claim and even delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is less work than it seems.