Car Insurance in La Grange - 7 Discounts to Save Money

Expensive car insurance can overdraw your checking account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket. You have multiple to buy insurance from, and although it's nice to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons quite often since rates are constantly changing. Even if you got the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the tricks you need to know to find great coverage at a great price.

How to Buy La Grange Car Insurance Online

Cutting your La Grange car insurance rates is a fairly straight forward process. Consumers just need to take time comparing rates provided by online insurance companies. This can be done in several different ways.

The recommended way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form prevents you from having to do separate forms for each company. One form gets rate comparisons from several companies.
A different way to shop for car insurance online is spending the time to visit each individual company website to complete their respective quote request forms. For example, we'll pretend you want comparison quotes from , and . You would have to visit each site and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in La Grange, click here.
The hardest way to get comparison rates is driving to different La Grange agent offices. The internet has reduced the need for local agents unless you prefer the professional advice of a licensed agent. Drivers can get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make darn sure you compare identical information on every quote you get. If you have higher or lower deductibles it will be next to impossible to determine which rate is truly the best in La Grange.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list all their discounts very clearly, so we took the time to find some of the more common and the more hidden ways to save on car insurance. If you're not getting every credit you deserve, you're paying more than you need to.

Sign Online - Some insurance companies will give a small break just for signing your application over the internet.
College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Accident Waiver - Certain companies permit an accident before raising your premiums as long as you don't have any claims for a certain period of time.
Driver Safety - Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

It's important to note that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you're out of luck.

To see a list of companies who offer car insurance discounts in Missouri, click this link.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Does medical payments coverage apply to all occupants?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What are Missouri no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
What happens if I owe more than my vehicle is worth?
Do I really need UM/UIM coverage?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Additional detailed information can be found at the Missouri Department of Insurance website. Consumers can get help finding coverage, read enforcement actions against agents and companies, view agent and company licensing information, and find out industry alerts.