Tightwads Instructions on Saving on Keytesville Auto Insurance

No one likes paying for auto insurance, particularly when the cost is way too high. Lots of contend for your business, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to compare prices periodically because prices are constantly changing. Even if you think you had the best price last year you may be paying too much now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to quote online to get good coverage at a lower rate.

Keytesville Auto Insurance Comparisons

Performing a rate comparison can be exhausting if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Keytesville, or you could save time and use the web to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company then returns a price quote. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is buyers cannot specifically choose which companies you want to price. So if you prefer to choose individual companies to request quotes from, we put together a list of auto insurance companies in Missouri. Click here to view list.

However you get your quotes, be sure to compare the exact same coverage limits for each comparison quote. If you are comparing differing limits it will be impossible to determine the lowest rate in Keytesville.

Missouri auto insurance quotes

Good Decisions Result in Lower Rates

It's important that you understand the factors that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

  • Big city or small town - Living in a small town can be a good thing when talking about auto insurance. Less people living in that area translates into fewer accidents. Urban drivers have much more traffic to deal with and longer commute times. More time commuting means higher likelihood of an accident.
  • Cautious drivers pay less - Careful drivers have lower premiums than their less careful counterparts. Even a single moving violation can boost insurance rates twenty percent or more. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Better crash test results mean better rates - Safer cars get lower rates. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
  • Extra coverages can waste money - There are quite a few additional coverages that you can buy when buying auto insurance. Coverages like vanishing deductibles, towing coverage and term life insurance are some examples. These may sound like a good investment when you first buy your policy, but if they're wasting money get rid of them and save.

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but a few need to be asked for before being credited. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Bundle and Save - When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can get savings of 20% or more.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Sign Online - Some insurance companies may give you up to $50 for buying your policy on their website.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more depending on where you live.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

For a list of companies with discount auto insurance rates in Keytesville, click here.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different and your policy should reflect that. For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Is my vehicle covered for flood damage?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

Additional information can be found on the website for the Missouri Department of Insurance located here. Visitors are able to view agent and company licensing information, file complaints about a company, find disaster information, and discover disciplinary actions.

Missouri auto insurance

And the best car insurance company is...

When trying to cut insurance costs, you should never reduce needed coverages to save money. In many instances, someone dropped physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find at a price you can afford.

We covered a lot of techniques to lower your auto insurance rates. It's most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from a small local company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like .

Cheap auto insurance is attainable both online and also from your neighborhood Keytesville agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.