5 Ways to Save on Car Insurance in Concordia Missouri

If you've never shopped for car insurance online, it's easy to get confused by the large number of car insurance companies competing for business in Concordia.

Don't pay full price with these 5 discounts

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount.

Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
Good Student - A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

To see a list of insurers who offer car insurance discounts in Missouri, click this link.

Automobile Insurance Quotes in Concordia, MO

Effectively comparing car insurance prices can take time and effort if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to local insurance agents in Concordia, or you could save time and use the internet for quick rates.

Many insurance companies take part in a program that enables customers to enter their coverage request one time, and each participating company returns a rated price. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

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

The only drawback to doing it this way is that consumers can't choose which carriers you want pricing from. If you would rather choose individual companies to request quotes from, we put together a list of car insurance companies in Missouri. Click to view list.

It's up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverage information for each price quote. If you are comparing unequal deductibles or liability limits it's impossible to truly determine the lowest rate in Concordia. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes gives you a better chance of getting the best offered rates.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is a little different.

Here are some questions about coverages that might point out whether or not you might need professional guidance.

Am I covered when driving on a suspended license?
Do I need PIP (personal injury protection) coverage in Missouri?
Should I file a claim if it's only slightly more than my deductible?
Should I buy only the required Missouri minimum liability coverage?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

The car insurance bait and switch

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies make the same claim about savings after switching to them. But how can every company claim to save you money?

Different companies have a certain "appetite" for the type of driver that is profitable for them. An example of a profitable customer might be between 30 and 50, owns a home, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Drivers who don't measure up to this ideal profile must pay higher premiums which leads to the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save money. That is how companies can truthfully state the savings.

This illustrates why drivers must get quotes from several different companies. It's just too difficult to predict which company will have the lowest rates.

Affordable insurance is out there

Cheap car insurance can be bought both online and with local Concordia insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just covered some good ideas how to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies.

Additional information is available on the Missouri Department of Insurance website located here. Visitors are able to report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.

Additional helpful sites include this page for Missouri car insurance and this page for help finding agents in Concordia, MO.