Tightwads Guide for Saving on Fulton Car Insurance

Nobody I know looks forward to paying for car insurance, particularly when the cost is way too high.

Insurance companies such as GEICO and Progressive continually bombard you with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

compare Fulton car insurance rates

More discounts equal less premium

Companies that sell car insurance do not advertise every discount in a way that's easy to find, so we took the time to find both the well known as well as the least known discounts you could be receiving.

  • Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • Federal Employees - Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
  • Homeowners Savings - Simply owning a home can save you money because maintaining a house is proof that your finances are in order.
  • No Accidents - Good drivers with no accidents can save substantially when compared to frequent claim filers.

It's important to note that some credits don't apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you're out of luck.

For a list of insurance companies with discount car insurance rates in Fulton, click here.

Car Insurance Comparison Rates in Fulton, MO

Most major insurance companies allow you to get coverage prices on their websites. Obtaining pricing is quite simple as you simply type in your personal and coverage information into the quote form. Once entered, the system will obtain credit information and your driving record and returns a price quote. Online quotes helps simplify price comparisons, but the time required to go to a lot of sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to do this in order to find a lower rate.

A more efficient way to compare rates makes use of a single form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes rate comparisons much more enjoyable. After sending your information, it is rated with multiple companies and you can pick your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

In order to find out how much you're overpaying now, click here and submit the form. If you currently have coverage, we recommend you type in the coverages exactly as shown on your declarations page. This helps ensure you will have a fair comparison based on identical coverages.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help highlight if you could use an agent's help.

  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Fulton?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Shop smart and save

We just presented a lot of ways to get a better price on car insurance. It's most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with the least-expected company. These companies often have lower prices on specific markets as compared to the big name companies such as .

Lower-priced car insurance is attainable both online and also from your neighborhood Fulton agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.