Tightwads Guide to Saving on Hopkins Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your bank account and force you to prioritize other expenses. Doing a price comparison is a smart way to cut your insurance bill. Because you have many companies to choose from, it's nearly impossible to choose the lowest cost company.

It's important to compare prices on a regular basis since insurance rates are constantly changing. If you had the best price a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're about to learn the fastest and easiest way to properly buy coverages while reducing your premium.

Buying car insurance in Hopkins is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Missouri vehicle owners just need to know the most efficient way to get comparison quotes online.

Hopkins auto insurance quote

Take advantage of discounts

Car insurance companies don't always list every available discount very well, so we took the time to find some of the best known and also the lesser-known auto insurance savings. If you don't get every credit you deserve, you're just leaving money on the table.

  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Own a Home - Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
  • Multi-policy Discount - When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • No Accidents - Drivers who don't have accidents can save substantially compared to frequent claim filers.
  • Accident Waiver - Some insurance companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Defensive Driving Course - Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears it's possible to get free car insurance, companies wouldn't make money that way.

For a list of providers with the best auto insurance discounts in Missouri, follow this link.

Hopkins Auto Insurance Prices Online

Finding a better price on auto insurance doesn't have to be difficult. Just invest a few minutes comparing rates from different insurance companies. This can be accomplished in several different ways.

One of the best ways to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method eliminates the need for a different quote for every auto insurance company. One form submission gets you coverage quotes .

A harder way to compare rate quotes consists of going to the website for each individual company to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Hopkins, click here.

The least efficient way of comparing rate quotes is to waste gas driving to and from local Hopkins insurance agencies. Buying insurance online makes this process obsolete unless you want the personal advice of a local Hopkins agent. You can, however, compare online quotes and still use a local agent and we'll touch on that later.

Whichever way you use, ensure you are comparing apples-to-apples coverages on every quote you get. If you have different limits and deductibles on each one you can't possibly determine which rate is truly the best in Hopkins.

In the end, you save

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Budget-conscious auto insurance is definitely available on the web and also from your neighborhood Hopkins agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.