Tightwads Instructions on Saving on Imperial Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your checking account, especially in this economy. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. Lots of contend for your business, and because of this it can be hard to compare to find the lowest rate

It's important to compare prices on a regular basis since insurance rates are constantly changing. Just because you had the best price last year you can probably find a better price now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the proper way to find the best coverage while lowering your premiums.

If you have insurance now or are shopping for new coverage, you will benefit by learning to find the best rates while maximizing coverage. Buying car insurance in Imperial is easy if you know what you're doing. Missouri vehicle owners just need to know the proper methods to get comparison rates online.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that go into determining auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Multiple policies with one company can save - Most insurance companies give discounts to people who carry more than one policy. It's known as a multi-policy discount. This can amount to 10 percent or more. Even though this discount sounds good, it's in your best interest to comparison shop to verify if the discount is saving money.
  • Are you male or female? - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Men and women tend to get into accidents in similar percentages, but men cause more damage. Men also get more serious tickets like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • A clean driving record saves money - Even a single moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers who get serious violations like DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to continue driving.
  • Choose a safe vehicle and save - Safer cars get lower rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like lawyers, social workers and accountants have higher rates than average in part from stressful work requirements and long work hours. On the flip side, professions such as pilots, athletes and homemakers get better rates.
  • High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you have to pay, the bigger discount you will receive.

Imperial auto insurance quote

Save big with these discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few need to be asked for before they will apply. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • Anti-theft System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Accident Waiver - A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.
  • Claim Free - Drivers who don't have accidents can save substantially compared to accident-prone drivers.
  • Multi-car Discount - Insuring more than one vehicle with the same company qualifies for this discount.
  • Low Mileage - Driving fewer miles can earn a substantially lower rate.
  • Student Driver Training - Cut your cost by having your teen driver take driver's ed class in school.
  • Early Signing - Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.

Consumers should know that some credits don't apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies don't profit that way. But all discounts will cut your overall premium however.

To choose providers offering auto insurance discounts in Imperial, click here.

Auto insurance ads bend the truth

Missouri drivers can't ignore all the ads for car insurance savings from the likes of Allstate and Progressive. All the ads have a common claim that you'll save big if you switch your coverage to them.

How do they all say the same thing? This is how they do it.

Different companies have a preferred profile for the type of customer that makes them money. For example, a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and drives newer vehicles. A propective insured that hits that "sweet spot" will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will be charged higher rates and this can result in business not being written. The ad wording is "drivers who switch" not "people who quote" save that much money. This is how companies can claim big savings.

That is why you should get a wide range of price quotes. It's not possible to predict which insurance companies will give you the biggest savings.

Much more information about auto insurance in Missouri can be found on the website for the Missouri Department of Insurance. Click here for link. Missouri drivers can read consumer alerts, learn about insurance regulations, file complaints about a company, and find disaster information.

Best coverage at the best price

When trying to cut insurance costs, you should never buy poor coverage just to save money. Too many times, drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Discount auto insurance is available on the web as well as from independent agents in Imperial, so compare prices from both to get a complete price analysis. A few companies don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented a lot of ways to save on auto insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best prices are with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates than their larger competitors like .