Getting Cheap Eureka Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

Drivers have multiple to pick from, and although it's nice to have a choice, it can be more challenging to compare rates.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best price last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate one of the best ways to find great coverage at a great price.

How to Compare Car Insurance in Eureka, Missouri

Effectively comparing car insurance prices can take time and effort if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Eureka, or you can utilize the web to get prices fast.

All the larger companies enroll in a system that allows shoppers to send in one quote, and each participating company then returns a price quote determined by their information. This saves time by eliminating quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to doing it this way is buyers cannot specifically choose which companies you want to price. If you prefer to choose specific providers to request quotes from, we put together a list of low cost car insurance companies in Missouri. Click to view list.

It's up to you which method you use, but ensure you are comparing identical coverage information for each price quote. If your comparisons have unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate in Eureka. Quoting even small variations in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find the best offered rates.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that help determine the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that may reward you with lower car insurance prices.

More miles equals more premium - Driving more miles in a year the more you will pay for car insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance coverage shows the proper vehicle usage.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, damage caused by hail, or theft. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
Older drivers save more - Youthful drivers in Missouri are known to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Where you live can impact rates - Choosing to live in a rural area can be a good thing when talking about car insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents.
Pay less if you're married - Having a spouse can get you a discount on your policy. It means you're more responsible and it's statistically proven that being married results in fewer claims.
Bad driving skills means higher rates - Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers receive lower rates compared to drivers with tickets. Even one moving violation can boost insurance rates forty percent or more. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Be sure to get all your discounts

Companies don't always list all their discounts very clearly, so we took the time to find both the well known and the more hidden savings tricks you should be using.

Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Homeowners Discount - Owning a house in Eureka can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
Air Bag Discount - Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
Senior Citizens - Older drivers may be able to get better car insurance rates.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

For a list of companies who offer car insurance discounts in Missouri, click here to view.

Even more information can be found at the Missouri Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, read enforcement actions against agents and companies, and view agent and company licensing information.

Other useful links include Auto Insurance 101 and this page where you can research Eureka insurance agents.

Affordable insurance is out there

When trying to cut insurance costs, make sure you don't reduce needed coverages to save money. In many instances, someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate.

Cheaper car insurance can be bought both online and also from your neighborhood Eureka agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.