Top 9 Ways to Save on Car Insurance in Gerald, MO

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other Missouri consumers.

Numerous battle for your hard-earned dollar, so it's not easy to compare every to get the lowest rate

It's important to shop coverage around once or twice a year since rates are constantly changing. Even if you think you had the lowest price a couple years back you may be paying too much now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to how to quote online to find great coverage at a great price.

Comprehensive Car Insurance Comparison in Gerald

Most major insurance companies such as Allstate and Progressive provide coverage price quotes on their websites. Getting quotes is fairly simple as you simply enter the amount of coverage you want as detailed in the form. Behind the scenes, the system will obtain reports for credit and driving violations and returns a price. Online price quotes streamlines rate comparisons, but having to visit each company's website and repetitively type in the same information is repetitive and time-consuming. But it's very important to do this if you want to find better car insurance pricing.

A less time-consuming method to find cheaper rates is to use a quote form to return rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online a little more enjoyable. Immediately after you send the form, it gets priced with multiple companies and you can pick any of the returned quotes. If the quotes result in lower rates, it's easy to complete the application and purchase the new policy. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and fill out the form. If you have coverage now, it's recommended you input as close as possible to your current policy. This way, you will receive comparison quotes based on similar coverages.

These nine discounts can lower your rates

Companies that sell car insurance don't always advertise every available discount in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using.

Theft Prevention Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Student Driver Training - Require your teen driver to take driver's ed class if offered at their school.
Low Mileage - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Safety Course Discount - Successfully completing a defensive driving course could save 5% or more depending on where you live.
Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
Homeowners Pay Less - Being a homeowner can help you save on car insurance because maintaining a house shows financial diligence.
Air Bag Discount - Vehicles with factory air bags can get savings of 20% or more.
Senior Citizens - Older drivers may receive a small decrease in premiums.
Club Memberships - Being a member of certain professional organizations is a good way to get lower rates on your policy.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

For a list of providers with discount car insurance rates in Gerald, click here to view.

Even more information is located at the Missouri Department of Insurance website. Visitors are able to read consumer alerts, view a list of available companies, find disaster information, and discover disciplinary actions.

Final considerations

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits only to discover later that the savings was not a smart move. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Cheaper car insurance is attainable both online as well as from independent agents in Gerald, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.