How to Get Low-Cost Holts Summit Auto Insurance

Are you intimidated by the wide range of auto insurance options in Holts Summit? Many other drivers are as well. There are so many options available that it can turn into more work than you anticipated to find better rates.

It's important to compare prices every six months since insurance rates are constantly changing. If you had the best rates a couple years back a different company probably has better rates today. There is a lot of wrong information about auto insurance on the internet, so I'm going to show you some great ways to find cheap auto insurance.

Finding affordable coverage in Holts Summit is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Nevertheless, Missouri vehicle owners do need to know the way companies determine prices.

How much can you save with discounts?

Companies don't list all their discounts very well, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

Senior Discount - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Clubs and Organizations - Affiliation with a professional or civic organization is a good way to get lower rates on auto insurance.
Lower Rates for Military - Being on active duty in the military can result in better rates.
Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Bundle and Save - If you have multiple policies with one company you may save at least 10% off all policies.
Drive Less and Save - Keeping the miles down could qualify for discounted rates on garaged vehicles.

It's important to understand that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn't quite work that way.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes some of the items used by your company to calculate rates.

Older drivers pay less - Teenage drivers in Missouri tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Protect yourself with liability coverage - The liability section of your policy provides coverage if ever a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. These vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates.
Do you know you're credit rating? - Credit rating is a large factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible than drivers with lower credit ratings. If your credit can use some improvement, you could potentially save money when insuring your by improving your rating.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
One company can mean more discounts - The majority of insurers will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by buying auto insurance from a different company.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise of big savings if you move your coverage to them. But how can every company say the same thing?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money and ends up with business not being written. The ads state "people who switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can confidently advertise the way they do. Because of the profiling, drivers should compare many company's rates. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Learn more about Missouri auto insurance

More tips and info about auto insurance can be read at the Missouri Department of Insurance website. Missouri drivers can read enforcement actions against agents and companies, find out which companies have the most complaints, and find disaster information.

Also read more on this Car Insurance FAQ and this page of insurance agents in Holts Summit.

Affordable insurance is out there

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There are many occasions where someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at an affordable rate.

Low-cost auto insurance is possible on the web as well as from independent agents in Holts Summit, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

People who switch companies do it for many reasons like not issuing a premium refund, questionable increases in premium, unfair underwriting practices and even poor customer service. It doesn't matter what your reason, finding the right auto insurance provider is less work than it seems.