Car Insurance in Gainesville Missouri - 5 Discounts You Might be Forgetting

People who are new to buying insurance online may find buying low-cost Gainesville car insurance quite difficult.

Vehicle Insurance Comparison

There are several ways to compare rate quotes from different Gainesville insurance companies. The best method to find the lowest rates involves getting comparison quotes online. This can be done in several different ways.

  • The recommended way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing boring form submissions for each company. Just one form compares rates from all major companies. This is by far the quickest method.
  • A different way to compare rate quotes is going to each individual company website and complete a new quote form. For examples sake, let's say you want to compare , and . You would have to take the time to go to each site and enter your information, which is why the first method is quicker. To view a list of companies in Gainesville, click here.
  • The most time-consuming method to compare rates is to waste gas driving to different agent offices. The internet has reduced the need for local agents unless you want the professional advice of a licensed agent. It is possible to get the lowest quotes online and still use a local agent and we'll cover that in a bit.

However you get your quotes, be sure to compare apples-to-apples coverage limits and deductibles on every quote. If you use different liability limits you can't possibly make a fair comparison in Gainesville. Slightly different limits can make a big difference in price. Keep in mind that quoting more provides better odds of finding the best rates.

Take advantage of discounts

Insurance can cost an arm and a leg, but there are discounts available that many people don't even know exist. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be requested specifically before they will apply.

  • Homeowners Savings - Owning a home in Gainesville can save you money because owning a home is proof that your finances are in order.
  • Early Signing - Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Auto/Home Discount - When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.

It's important to note that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck. But any discount will help reduce your overall premium however.

To see a list of insurers offering car insurance discounts in Missouri, click here.

How to know if you need help

When choosing adequate coverage for your vehicles, there really is no "perfect" insurance plan. Your needs are not the same as everyone else's.

These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Do I really need UM/UIM coverage?
  • What is the difference between comprehensive and collision coverage?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

More information can be found on the Missouri Department of Insurance website found here. Consumers can report car insurance fraud, file complaints about a company, and find out industry alerts.

Additional helpful sites include this page for Missouri car insurance and this page for help finding agents in Gainesville, MO.