Tightwads Guide to Saving on Freeman Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, you are not the only one feeling buyer's remorse.

With consumers having so many companies and agents to choose from, it can be diffult for consumers to find the best insurance company.

Tips to Get Lower Freeman Rates

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.

Listed below are a few of the "ingredients" used by your company to calculate premiums.

High crash test scores lower rates - Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates.
Policy add-ons can waste money - There are many extra coverages that you can get tricked into buying on your policy. Things like personal injury protection, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but now you might not need them so remove them from your policy.
High credit ratings translate to low rates - A driver's credit score is a important factor in calculating your car insurance rates. Therefore, if your credit rating is lower than you'd like, you could save money insuring your by improving your rating. People with high credit scores tend to be more responsible than those with poor credit.
How's your driving record? - Whether or not you get tickets has a big impact on rates. Drivers who don't get tickets have lower premiums than bad drivers. Even one speeding ticket can bump up the cost forty percent or more. Drivers with serious tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
Liability insurance protects assets - Liability insurance provides coverage if you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Adjust deductibles and save - Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The higher the amount you have to pay, the less your car insurance will be.
Multiple policies with one company can save - Most insurers will award you with lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.

Quick Freeman Car Insurance Quotes

All major car insurance companies allow you to get coverage price quotes on the web. The process is fairly simple as you just enter the coverage amounts you desire into the quote form. After the form is submitted, their rating system will obtain information on your driving record and credit history and quotes a price. This streamlines rate comparisons, but having to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find a lower rate.

The preferred way to find better car insurance pricing utilizes a single form that gets prices from several companies at one time. It's a real time-saver, requires much less work on your part, and makes online shopping a lot less work. Immediately after submitting the form, it is rated and you can choose any or none of the resulting price quotes. If a lower price is quoted, it's easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

If you want to find out how much you're overpaying now, click here and begin entering your coverage information. If you currently have coverage, we recommend you copy exactly as shown on your declarations page. This makes sure you will be getting an apples-to-apples comparison for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance don't necessarily list all available discounts very well, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
Defensive Driver - Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
Organization Discounts - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.

It's important to note that most discounts do not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you're out of luck.

To choose insurers offering car insurance discounts in Missouri, click here to view.

Switch companies and save? Really?

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make an identical promise that you can save if you switch your coverage to them. But how can every company make the same claim?

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer could be between 25 and 40, has no tickets, and drives newer vehicles. A customer who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential insureds who do not match this ideal profile must pay more money and ends up with business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can claim big savings. This illustrates why you need to get as many quotes as possible. Because you never know which car insurance company will give you the biggest savings.

Additional detailed information can be found at the Missouri Department of Insurance website. Consumers can find disaster information, discover disciplinary actions, find out industry alerts, and file complaints about a company.

Other informative sites include this resource for Missouri car insurance prices and this page of Freeman insurance agents.

The best insurance company isn't always the cheapest

Lower-priced car insurance can be found from both online companies as well as from independent agents in Freeman, so you should compare both in order to have the best chance of saving money. A few companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

We just showed you many tips how you can compare car insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with some of the lesser-known companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as .