8 Methods to Save on Car Insurance in Hazelwood

Having to pay for overpriced car insurance can drain your checking account and put a big crunch on your finances. Comparison shopping is a smart way to lower your monthly bill.

Lots of contend to insure your vehicles, and because of this it can be hard to compare to find the absolute lowest price

It's important to check car insurance prices on a regular basis since rates are constantly changing. Despite the fact that you may have had the best rates a few years ago you may be paying too much now. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to slash your car insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding the best rates in Hazelwood is not that difficult. Although Missouri consumers do need to know the way companies compete online.

Which Car Insurance is Cheapest in Hazelwood, Missouri?

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm provide prices for coverage on the web. Getting quotes is fairly straightforward as you just type in the coverages you want as detailed in the form. Behind the scenes, the system will obtain your credit score and driving record and provides a quote based on these factors. Quoting online makes comparing rates easy, but the work required to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step if you want to find better car insurance pricing.

A less time-consuming method to find lower prices is to use a quote form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes quoting online much easier. After sending the form, it gets priced and you can select any of the returned quotes. If you find a better price you can simply submit the application and buy the policy. The whole process can be completed in less than 10 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 complete the simple form. If you have your current policy handy, we recommend you copy the limits and deductibles as close as possible to your current policy. This way, you will receive a rate comparison based on similar coverages.

These eight discounts can lower your rates

Companies offering auto insurance don't list all their discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known car insurance savings.

College Student - Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Sign Online - A handful of insurance companies may give you up to $50 for buying your policy on their website.
Senior Citizens - Older drivers may be able to get reduced rates.
Multiple Vehicles - Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
Bundle and Save - When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
Passive Restraints - Factory air bags or automatic seat belts can get savings of 20% or more.
Accident Free - Drivers who don't have accidents pay less as compared to frequent claim filers.
Driver Safety - Taking part in a defensive driving course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won't be that lucky.

For a list of companies who offer car insurance discounts in Hazelwood, follow this link.

Even more information can be read at the Missouri Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, report car insurance fraud, and find out industry alerts.

Shop smart and save

As you shop your coverage around, never reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best price.

The cheapest car insurance can be bought both online and with local Hazelwood insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not offer online quoting and most of the time these small insurance companies sell through independent agents.

We just covered a lot of tips how to lower your car insurance rates. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as .