Top Ways to Save on Fenton Car Insurance

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than millions of other consumers. There are many to pick from, and although it's a good thing to be able to choose, it makes it harder to compare rates.

It's important to check car insurance prices before your policy renews due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest price a year ago there is a good chance you can find better rates now. Don't believe everything you read about car insurance on the internet, so I'm going to show you some great ways to reduce your car insurance bill.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

The following are a partial list of the pieces companies use to determine rates.

Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, damage caused by hail, and windstorm damage. Your deductibles are how much you are required to spend if you file a covered claim. The more you're willing to pay, the less your company will charge you for insurance.
Your car insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, architects and financial analysts tend to pay higher average rates due to high stress and lengthy work days. Conversely, professions such as farmers, engineers and performers have the lowest average rates.
Teen drivers pay high rates - Youthful drivers in Missouri are known to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
Where you live - Being located in a rural area can be a good thing when talking about car insurance. City drivers regularly have much more traffic and longer commute times. Fewer people means fewer accidents as well as less vandalism and auto theft.
Bad driving skills means higher rates - Your driving citation history has a lot to do with how much you pay for insurance. Good drivers get better rates compared to drivers with tickets. Just one speeding ticket can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
Marriage pays dividends - Having a wife or husband can get you a discount when buying car insurance. It is viewed as being more mature and statistics show drivers who are married are more cautious.
Better credit means lower rates - Credit history is a big factor in your rate calculation. So if your credit score is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.
Please use or commuting - Driving more miles every year the more you will pay for car insurance. Most companies charge to insure your cars based on their usage. Vehicles left parked in the garage receive lower rates than those used for commuting. Make sure your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.

Compare Fenton Car Insurance Costs

Reducing your insurance rates is actually quite simple. You just have to take a couple of minutes to compare rate quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

The fastest way to get quotes is to use a rate comparison form click to view form in new window. This method saves time by eliminating repetitive form submissions for every car insurance company. In just a few minutes this one form will get you rate comparisons from multiple companies.
A slightly less efficient method to get quotes online requires you to visit each individual company website to complete a price quote. For sake of this example, let's say you want rates from , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Fenton, click here.

Whichever way you use, ensure you're using identical coverage information for every company. If you enter unequal deductibles or liability limits you can't possibly decipher which rate is best in Fenton.

Save big with these discounts

Car insurance companies don't always publicize all their discounts very clearly, so we researched both the well known and also the lesser-known car insurance savings. If you're not getting every credit available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Fenton may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
College Student - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

To choose companies who offer car insurance discounts in Missouri, follow this link.

Car insurance ads bend the truth

Consumers in Missouri can't ignore all the ads for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing that you can save after switching to them.

How does each company claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that makes them money. For instance, a desirable insured might be between 25 and 40, is a homeowner, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential insureds who fall outside these standards will have to pay more money which usually ends up with the customer not buying. The ad wording is "customers who switch" not "people who quote" save money. That's why insurance companies can make those claims. Because of the profiling, you need to get as many comparisons as possible. You cannot predict the company that will have the lowest rates.

Additional detailed information is located at the Missouri Department of Insurance website. Visitors are able to report car insurance fraud, read industry bulletins, read enforcement actions against agents and companies, and view agent and company licensing information.

Other informative sites include this page for Missouri car insurance and this page for help finding agents in Fenton, MO.

A tidy conclusion

Affordable car insurance can be bought both online and with local Fenton insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

While you're price shopping online, make sure you don't reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage and learned later they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price.