7 Discounts Hollister Shoppers Forget when Buying Car Insurance

Scraping up a payment for overpriced car insurance can overdraw your personal savings and force you to make sacrifices. Doing a price comparison is a great way to cut your insurance bill.

With consumers having so many choices of insurance companies, it's nearly impossible to choose the lowest price insurer.

It's important to do rate comparisons on a regular basis since rates are constantly changing. If you had the lowest price two years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you're about to learn one of the easiest ways to properly buy coverages while reducing your premium.

Finding the best rates in Hollister is easy if you know what you're doing. Just about anyone who is required by state law to have car insurance should be able to save money. But Missouri consumers do need to know how the larger insurance companies determine prices because it can help you find the best coverage.

Hollister Car Insurance Prices Online

Most major insurance companies give pricing online. Getting quotes is pretty easy as you just type in the coverages you want as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and generates a price based on these and other factors. This makes comparing rates easy, but the time required to go to different websites and complete many quote forms can get tiresome after awhile. But it's very important to have as many quotes as possible in order to get better car insurance pricing.

The easy way to compare rates

A less time-consuming method to find lower prices is to use a quote form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much simpler. As soon as the form is sent, your coverage is rated and you are able to buy any or none of the returned quotes. If you find a better price you can simply submit the application and buy the policy. This process just takes a couple of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have coverage now, it's recommended you replicate your coverages just like they are on your policy. This way, you will get a price comparison based on similar coverages.

These seven discounts can lower your rates

Companies don't list all their discounts very well, so we researched both the well known and also the lesser-known discounts you could be receiving.

  • Sign Online - Certain companies may give you up to $50 for buying a policy and signing up online.
  • Own a Home - Owning a house in Hollister can save you money because of the fact that having a home shows financial diligence.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Bundle and Save - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Accident Waiver - Some insurance companies allow you one accident without raising rates as long as you don't have any claims prior to the accident.

Drivers should understand that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way.

For a list of companies with the best car insurance discounts in Missouri, click here.

More detailed Missouri car insurance information is located at the Missouri Department of Insurance website. Visitors are able to get help finding coverage, view a list of available companies, view agent and company licensing information, and read consumer alerts.

Other useful links include this site for Missouri car insurance information and see this list of insurance agents in Hollister.

Final considerations

Budget-conscious car insurance is possible both online and with local Hollister insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, do not reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price.