Free Guide to Cutting Costs on Dexter Auto Insurance Online

Tired of not being able to afford each month for car insurance? You are no different than most other car owners in Missouri. Numerous battle for your hard-earned dollar, so it's not easy to compare every and uncover the absolute lowest price

If you have insurance now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Finding the best rates in Dexter is quite easy. Missouri drivers only need an understanding of the best way to buy auto insurance online.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you can get discounts that many people don't even know exist. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked about in order for you to get them. If they aren't giving you every credit available, you are throwing money away.

  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
  • Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Clubs and Organizations - Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Distant Student - Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Multiple Policy Discount - If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • No Accidents - Claim-free drivers pay less when compared to drivers who are more careless.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will cut the cost of coverage.

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How can State Farm, Allstate and GEICO save drivers who switch?

Missouri consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Allstate and GEICO. They all say the same thing of big savings if you switch to their company.

How do they all make almost identical claims? This is how they do it.

All companies can use profiling for the driver that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ads say "drivers who switch" not "everybody who quotes" save that much. That's why insurance companies can confidently advertise the way they do.

This emphasizes why you should get as many quotes as possible. It's impossible to know the company that will provide you with the cheapest rates.

Additional auto insurance information can be read on the website for the Missouri Department of Insurance. Click here for link. Missouri consumers can download brochures, read consumer alerts, report car insurance fraud, and read enforcement actions against agents and companies.

Best coverage at the best price

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

Cost effective auto insurance can be found online and also from your neighborhood Dexter agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.