Best 6 Ways You Can Buy Car Insurance for Less in Clever

If you are a novice to online car insurance shopping, you may be overwhelmed due to the large number of car insurance companies selling insurance in Clever.

It's important to compare prices periodically since rates are constantly changing. Just because you found the lowest price last year you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to find out how to use online quotes to lower your rates without sacrificing coverage.

If you have a current car insurance policy or need new coverage, you can follow these tips to find the best rates while maintaining coverages. This information will familiarize you with the best way to quote coverages and some tips to save money. Missouri vehicle owners just need to know the most efficient way to compare prices over the internet.

Clever car insurance comparison

Clever Car Insurance Comparisons

There are several ways to shop for car insurance, and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in Clever, or you could save time and use the web to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace that allows shoppers to submit their information once, and each participating company then gives them pricing. This eliminates the need for quotation requests for each company you want a rate for.

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

One minor caviat to comparing rates this way is you can't choose the providers to receive prices from. So if you prefer to choose from a list of companies for rate comparison, we have a page of car insurance companies in Missouri. Click to view list.

Which method you use is up to you, but be sure to compare exactly the same quote information on every quote you get. If you are comparing mixed coverages it's not possible to determine which rate is truly the best in Clever.

How much can you save with these six discounts?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you quote, but less common discounts must be asked for before you get the savings. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Save with a New Car - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Homeowners Savings - Owning a house in Clever may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Discount for Life Insurance - Select insurance companies reward you with better rates if you take out life insurance.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.

Consumers should know that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies don't profit that way. But all discounts will reduce the amount you have to pay.

To see a list of companies who offer car insurance discounts in Clever, follow this link.

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Missouri?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Additional Missouri consumer information

Much more information about car insurance in Missouri is located on the Missouri Department of Insurance website located here. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, and report car insurance fraud.