5 Ways You Can Buy Car Insurance for Less in Centralia

If you are a novice to online car insurance shopping, you can be overwhelmed by the sheer number of car insurance companies competing for business in Centralia.

It's important to shop coverage around periodically since rates are constantly changing. Just because you found the best price last year there is a good chance you can find better rates now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.

If you have a current car insurance policy or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. This article will familiarize you with how to effectively get price quotes and some tips to save money. Missouri drivers only need an understanding of the most effective way to compare company rates over the internet.

How to Get Centralia Car Insurance Comparison Quotes

There are several ways to shop for car insurance, and some are easier and takes less work. You can spend your afternoon talking to insurance agencies in Centralia, or you could save time and use the web to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company can give them a price for coverage. This prevents consumers from doing quote forms to each individual car insurance company.

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

One minor caviat to comparing rates this way is you are unable to specify which providers you want to price. So if you prefer to choose specific providers to compare rates, we have a listing of car insurance companies in Missouri. Click to view list.

Whichever method you choose, be sure to compare the exact same quote information on every quote you get. If you use mixed coverages it's impossible to determine which rate is truly the best in Centralia.

Be sure to get all your discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for prior to getting the savings. If they aren't giving you every credit you qualify for, you are paying more than you should be.

Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Good Student - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
E-sign - Certain companies may give you up to $50 simply for signing on their website.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
Life Insurance Discount - Larger companies have lower rates if you buy a life insurance policy as well.

It's important to understand that some credits don't apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will cut the amount you have to pay.

To choose providers who offer car insurance discounts in Centralia, click here.

Is there truth in advertising?

Consumers in Missouri can't ignore all the ads for cheaper car insurance from the likes of Allstate and Progressive. All the ads have a common claim of big savings after switching your coverage to them.

How do they all claim to save you money?

All companies have a certain "appetite" for the type of customer that makes them money. For example, a preferred risk might be a mature driver, a clean driving record, and has great credit. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a higher premium and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That is how insurance companies can confidently advertise the savings.

That is why you need to get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there is no "best" method to buy coverage. Everyone's situation is a little different.

For example, these questions may help highlight whether or not you would benefit from professional advice.

Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Missouri?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Should I have combined single limit or split liability limits?

If you can't answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Additional car insurance information can be found on the Missouri Department of Insurance website located here. Visitors are able to find out industry alerts, file complaints about a company, and get help finding coverage.

In the end, you save

As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

We just covered a lot of ways to compare car insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Low-cost car insurance can be sourced both online as well as from independent agents in Centralia, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.