Free Guide to Cutting Costs on Houstonia Auto Insurance Online

Have you had enough of not being able to afford each month for car insurance? You are no different than many other Missouri drivers. Numerous battle for your hard-earned dollar, so it's not easy to compare every and uncover the absolute lowest rate

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Understanding what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

Do you have a high stress job? - Did you know that where you work can have an impact on rates? Careers like judges, social workers and accountants tend to have higher rates than average attributed to high stress and long work days. On the flip side, occupations such as farmers, athletes and performers receive lower rates.
Car features impact rates - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
More miles equals more premium - Driving more miles every year the higher your rate. Most insurance companies apply a rate based on their usage. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Choose a safe vehicle and save - Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Extra add-on coverages are wasting money - There are a ton of extra bells and whistles that can waste your money on your auto insurance policy. Coverages like rental car reimbursement, accident forgiveness and term life insurance are some examples. These coverages may sound good at first, but if they're wasting money get rid of them and save.
Having a spouse can save you money - Having a wife or husband can get you a discount on auto insurance. Having a significant other means you're more mature and it's statistically proven that drivers who are married are more cautious.
Do men or women drive better? - The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes are in accidents in similar numbers, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.

These discounts can lower your rates

Companies offering auto insurance don't list every discount in an easy-to-find place, so we researched both well-publicized and the more hidden discounts you could be receiving. If they aren't giving you every credit available, you are paying more than you should be.

No Accidents - Claim-free drivers pay much less when compared to accident-prone drivers.
Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Life Insurance Discount - Some companies give lower rates if you buy life insurance.
Low Mileage Discounts - Fewer annual miles could be rewarded with a substantially lower rate.
Paperwork-free - A few companies will discount your bill up to fifty bucks just for signing your application on their website.

Keep in mind that some credits don't apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it just doesn't work that way.

To choose insurance companies who offer auto insurance discounts in Houstonia, click here.

Are you falling for claims of savings?

Missouri consumers can't ignore all the ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all have a common claim that you can save after switching to their company.

How do they all make almost identical claims?

Insurance companies can use profiling for the driver that makes them money. For instance, a driver they prefer could possibly be over the age of 50, has no tickets, and drives less than 7,500 miles a year. A driver that hits that "sweet spot" will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ad wording is "people who switch" not "everybody who quotes" save that much. That's why insurance companies can advertise the way they do. This emphasizes why you should get a wide range of price quotes. It is impossible to predict the company that will provide you with the cheapest rates.

More Missouri auto insurance information

Additional detailed information is located at the Missouri Department of Insurance website. Missouri consumers can read industry bulletins, view a list of available companies, file complaints about an insurance agent or broker, and find disaster information.

A tidy conclusion

When shopping online for auto insurance, you should never buy poor coverage just to save money. There are too many instances where an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

Affordable auto insurance can be purchased online and also from your neighborhood Houstonia agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and these small, regional companies work with independent agents.