Tightwads Guide to Saving on King City Auto Insurance

Having to pay for overpriced auto insurance can dwindle your savings account and put a big crunch on your finances. Comparing price quotes is a great way to make sure you're not throwing money away. Having so many insurance companies to choose from, it is hard for the average consumer to find the cheapest insurance company.

Buying the cheapest protection in King City is simple if you know the tricks. If you have a current auto insurance policy or need new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Missouri drivers only need an understanding of the proper methods to compare prices over the internet.

Tips to Get Lower King City Rates

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to big savings.

Occupation reflects on rates - Did you know that where you work can have an impact on rates? Careers like doctors, social workers and stock brokers have the highest rates attributed to job stress and lots of time spent at work. On the other hand, occupations like pilots, students and performers get better rates.
Having a spouse can save you money - Being married can get you a discount on auto insurance. Having a significant other translates into being more mature and responsible and it's statistically proven that married drivers get in fewer accidents.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both have accidents at about the same rate, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high auto insurance rates.
Bundling policies can get discounts - Many insurance companies provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money.
Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates.
Policy add-ons can waste money - There are a ton of add-on coverages that can waste your money on your auto insurance policy. Things like vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so remove them from your policy.

Auto Insurance Prices in King City, Missouri

Effectively comparing auto insurance prices can be a lot of work if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in King City, or you can utilize the web to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of form is that consumers can't choose which providers to get quotes from. So if you want to choose specific insurance companies to request quotes from, we have a listing of low cost auto insurance companies in Missouri. Click to view list.

Whichever method you choose, ensure you are comparing apples-to-apples quote information with each company. If each company quotes mixed coverages it will be impossible to make an equal comparison in King City.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount. If you don't get every credit you deserve, you are paying more than you should be.

Claim Free - Drivers who don't have accidents can earn big discounts when compared to accident-prone drivers.
Paperwork-free - A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.
Accident Waiver - Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Low Mileage Discounts - Fewer annual miles can qualify you for a substantially lower rate.
Driver Safety - Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
Life Insurance Discount - Larger companies have a break if you buy auto and life insurance together.
Organization Discounts - Participating in a professional or civic organization may earn a discount when shopping for auto insurance.

Consumers should know that some credits don't apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

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

Save 15 percent in 15 minutes? Is it for real?

Missouri consumers can't ignore all the ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all have a common claim of big savings after switching your coverage to them.

But how can every company make almost identical claims?

All the different companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer could possibly be between 30 and 50, insures multiple vehicles, and has great credit. A driver that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be quoted more money and this can result in the driver buying from a lower-cost company. The ad wording is "people who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently advertise the savings.

This emphasizes why you need to get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

Additional auto insurance information is available on the website for the Missouri Department of Insurance through this link. Missouri consumers can read industry bulletins, get help finding coverage, learn about insurance regulations, and read consumer alerts.

Other informative sites include this online resource for auto insurance quotes in Missouri and this list of insurance agents in King City.

And the best car insurance company is...

Cost effective auto insurance can be sourced online as well as from independent agents in King City, so compare prices from both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and these smaller companies work with independent agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.