Proven Techniques to Save on El Dorado Springs Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you you are not the only one feeling buyer's remorse. Drivers have so many to pick from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

Quick El Dorado Springs Auto Insurance Quotes

Most companies like Progressive, Allstate and GEICO provide price estimates on the web. Getting online quotes is quite simple as you simply type in the coverage amounts you desire into the quote form. When the form is submitted, their system will obtain your credit score and driving record and generates pricing information based on these factors. This streamlines rate comparisons, but the time it takes to visit different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

A quicker way to find better auto insurance pricing requires only one form to obtain quotes from multiple companies. It's a real time-saver, reduces the work, and makes online quotes much more enjoyable and efficient. After sending your information, it gets priced and you can choose any one of the quotes returned. If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and input your coverage information. If you have your current policy handy, we recommend you copy as close as possible to your current policy. This ensures you will have an apples-to-apples comparison for similar insurance coverage.

More discounts equal less premium

Companies offering auto insurance don't always advertise every discount very clearly, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you're not getting every credit possible, you're paying more than you need to.

  • Claim Free - Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Multi-car Discount - Having more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of insurance companies offering auto insurance discounts in Missouri, click here to view.

Find out more about auto insurance

Even more information can be read at the Missouri Department of Insurance website. Missouri drivers can read industry bulletins, discover disciplinary actions, file complaints about a company, and file complaints about an insurance agent or broker.

Additional helpful sites include this online resource for auto insurance quotes in Missouri and this list of insurance agents in El Dorado Springs.