How to Know You're Throwing Money Away for Car Insurance in Cassville

Are you tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as most other car owners in Missouri.

Because you have many different company options, it is hard for the average consumer to choose the lowest price company.

It's important to take a look at other company's rates once or twice a year due to the fact that insurance rates are constantly changing. Even if you think you had the best rates a few years ago you may be paying too much now. You can find a lot of misleading information regarding car insurance online, so we're going to give you some great ways to slash your car insurance rates.

Fast and Easy Cassville Car Insurance Quotes

The are a couple different ways of comparing rates and find the best price. The recommended way to compare insurance prices consists of shopping online. This can be accomplished in a couple of different ways.

The first (and easiest) way to get quotes for comparison is a comparison rater form click to view form in new window. This easy form saves time by eliminating separate quotes for each company you want a rate for. Taking the time to complete one form will get you price quotes instantly.

A slightly less efficient method to shop for car insurance online requires a visit to the website for each individual company to complete a price quote. For instance, let's say you want rates from , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Cassville, click here.

It's up to you which method you use, but double check that you are using apples-to-apples coverage limits with each company. If you are comparing differing limits then you won't be able to make an equal comparison in Cassville. Quoting even small variations in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes provides better odds of finding better pricing.

Cassville Rates are Influenced by These Factors

It's important that you understand the different types of things that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

Consolidate policies to earn discounts - Some insurers give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to shop around to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
Save money with special equipment - Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Do you need those extra coverages? - There are quite a few extra bells and whistles you can purchase when buying car insurance. Things like vanishing deductibles, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment initially, but if they're wasting money remove them from your policy.
Older drivers save more - Youthful drivers in Missouri have a tendency to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
Keep rates low by being claim-free - If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies in Missouri award discounts to insureds who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
Better crash test results mean better rates - Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
The type of vehicle makes a difference - The make and model of the car you drive makes a huge difference in determining your rates. The lowest base rates are generally reserved for small economy passenger cars, but the final cost of insurance is determined by many other factors.

Policy discounts you shouldn't miss

Car insurance is not cheap, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Driver's Ed - Require your teen driver to take driver's ed class if offered at their school.
Safety Course Discount - Successfully completing a defensive driving course could save 5% or more depending on where you live.
Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
Resident Student - Kids in college living away from home attending college and don't have a car can receive lower rates.
Senior Citizens - Older drivers may receive better car insurance rates.

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of providers with discount car insurance rates in Missouri, click here to view.

Additional information can be read on the website for the Missouri Department of Insurance found here. Visitors are able to read consumer alerts, view a list of available companies, discover disciplinary actions, and read enforcement actions against agents and companies.

Other useful links include BankRate.com's Car Insurance: When not to Skimp and this Cassville agent directory.

Affordable insurance is out there

When shopping online for car insurance, do not reduce needed coverages to save money. Too many times, an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Cheap car insurance is attainable both online and also from your neighborhood Cassville agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.