Tightwads Tips for Saving on Jasper Auto Insurance

Tired of scraping the payment together each month for car insurance? Your situation is no different than many other Missouri consumers. You have so many to buy insurance from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

The purpose of this post is to instruct you on how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Missouri drivers only need an understanding of the most efficient way to compare rates online.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but some must be manually applied before they will apply. If you're not getting every credit available, you are throwing money away.

  • Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break when buying auto insurance.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount depending on your company.
  • Student in College - Children who live away from home without a vehicle on campus can receive lower rates.
  • Paperless Signup - A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • Defensive Driving Course - Taking part in a defensive driving course could save 5% or more if you qualify.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

Save $429 a year? Really?

Consumers in Missouri get pounded daily by advertisements for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you move your coverage to them.

How does each company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the type of customer that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher rates which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can confidently make the claims of big savings.

This illustrates why you should get a wide range of price quotes. It's impossible to know the company that will fit your personal profile best.

More Missouri auto insurance information

Additional auto insurance information is available on the website for the Missouri Department of Insurance found here. Visitors are able to find out which companies have the most complaints, download brochures, read industry bulletins, and read enforcement actions against agents and companies.

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Best coverage at the best price

Cost effective auto insurance is definitely available both online as well as from independent agents in Jasper, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.