Car Insurance in Des Peres, MO - 8 Tips to Save Money

Nobody looks forward to paying for car insurance, particularly when they are paying too much.

Big companies like GEICO and Progressive continually hit you with advertising and it can be hard to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Finding affordable coverage in Des Peres is not that difficult. Although Missouri consumers do need to know the way companies price insurance differently because it can help you find the best coverage.

Policy discounts you shouldn't miss

Car insurance companies do not advertise all available discounts in a way that's easy to find, so we researched both the well known and also the lesser-known discounts you could be receiving.

Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Save with a New Car - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Federal Employees - Active or retired federal employment could cut as much as 10% off depending on your company.
Auto/Home Discount - If you have multiple policies with one company you may earn at least 10% off all policies.
Theft Prevention Discount - Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
Military Rewards - Being deployed with a military unit may qualify for rate reductions.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

Insurance agents can help

When it comes to buying the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions might point out whether your personal situation might need an agent's assistance.

Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
Can I still get insurance after a DUI?
Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies have a common claim about savings after switching to them. How can each company claim to save you money? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, owns a home, and has a short commute. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements must pay higher prices and this can result in the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully make the claims of big savings. This illustrates why drivers should compare as many rates as you can. It's just too difficult to predict which company will fit your personal profile best.

For more Missouri car insurance information

Even more information is located at the Missouri Department of Insurance website. Visitors are able to report car insurance fraud, find out industry alerts, file complaints about an insurance agent or broker, and download brochures.

The best insurance company isn't always the cheapest

The cheapest car insurance can be purchased both online and with local Des Peres insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, it's a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.