Car Insurance in Clinton - 6 Ways to Save Money
Finding lower rates for Clinton car insurance is difficult for consumers not familiar with comparing rates online. People have so many options that it can quickly become a lot of work to find the best price in Clinton.
It's important to shop coverage around before your policy renews since rates are constantly changing. Even if you got the best price a year ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to find the best coverage while lowering your premiums.
If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find the best rates while maintaining coverages. This article will let you in on how to effectively get price quotes and some tricks to saving. Missouri consumers only need to know the most efficient way to find the lowest price over the internet.
How to Compare Clinton Car Insurance Rates
There are multiple methods you can shop for car insurance but one way is more efficient than others. You can spend your afternoon talking to insurance companies in Clinton, or you can stay home and use the internet to accomplish the same thing much quicker.
Most of the larger companies are enrolled in a marketplace that enables customers to complete one form, and at least one company can give them a price based on the submitted data. 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 using this type of system is you can't choose which providers you want to price. So if you prefer to pick specific providers to compare prices, we put together a list of the cheapest car insurance companies in Missouri. Click to view list.
However you get your quotes, ensure you're using the exact same information on every quote. If each company quotes higher or lower deductibles it will be very difficult to make a fair comparison in Clinton.
Don't pay full price with these six discounts
Companies offering auto insurance don't always publicize every available discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If they aren't giving you every credit available, you are paying more than you should be.
- Multi-policy Discount - If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
- Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
- Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
- Multiple Vehicles - Having multiple vehicles with the same company qualifies for this discount.
- Driver Safety - Completing a defensive driving course could save 5% or more if your company offers it.
- Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.
To choose providers who offer car insurance discounts in Clinton, click here.
The car insurance bait and switch
Consumers in Missouri can't ignore all the ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads have a common claim about savings after switching your coverage to them.
How do they all claim to save you money? This is how they do it.
All companies can use profiling for the type of customer that makes them money. For example, a preferred risk might be between the ages of 30 and 50, is a homeowner, and has excellent credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will cut their rates substantially.
Consumers who don't measure up to the "perfect" profile will be charged higher rates and this can result in the customer not buying. The ad wording is "drivers who switch" not "everyone that quotes" save that much money. That's why companies can truthfully make those claims. That is why you need to get as many quotes as possible. It's just too difficult to predict the company that will have the lowest rates.
Even more information can be found at the Missouri Department of Insurance website. Visitors are able to read consumer alerts, download brochures, and file complaints about an insurance agent or broker.
A tidy conclusion
While you're price shopping online, never reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage only to discover later they didn't purchase enough coverage. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.
Drivers change insurance companies for any number of reasons including policy non-renewal, high rates after DUI convictions, delays in paying claims or even lack of trust in their agent. Regardless of your reason, switching car insurance companies is easier than you think.
The cheapest car insurance can be purchased both online as well as from independent agents in Clinton, and you should compare price quotes from both to get a complete price analysis. Some companies don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
