Easy Ways to Cut Costs on Laurie Auto Insurance

Cutting costs on Laurie auto insurance is challenging for beginners to comparing rates online. You have so many choices that it can be a big hassle to locate the lowest price in Laurie.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Shopping for affordable auto insurance in Laurie is easy if you know what you're doing. Nevertheless, Missouri vehicle owners do need to know the way insurance companies market insurance on the web because it can help you find the best coverage.

How much can you save with discounts?

Companies don't always advertise every discount in an easy-to-find place, so we researched some of the best known and also the lesser-known ways to save on auto insurance.

Seat Belts Save more than Lives - Requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
No Claims - Claim-free drivers pay much less when compared to bad drivers.
Low Mileage Discounts - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
Military Discounts - Having a family member in the military could be rewarded with lower premiums.
One Accident Forgiven - A few companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
Student Driver Training - Have your child successfully complete driver's ed class if offered at their school.

It's important to understand that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn't quite work that way.

To see a list of insurance companies with discount auto insurance rates in Laurie, click this link.

Cheap Laurie Auto Insurance Comparisons

Performing a rate comparison can take time and effort if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Laurie, or you could use online quotes to get pricing more quickly.

Many insurance companies participate in a marketplace that allows shoppers to complete one form, and each company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

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

The single downside to pricing coverage this way is you are unable to specify which carriers to get quotes from. So if you prefer to pick specific insurance companies to compare, we have a listing of companies who write auto insurance in Missouri. Click here to view list.

It's up to you how you get prices quotes, just ensure you're using the exact same coverage limits with every price quote. If your comparisons have differing limits you can't possibly find the best deal in Laurie. Having just a slight variation in coverage limits could mean much higher rates. And when price shopping your coverage, having more price comparisons will increase your chances of finding better pricing.

Understand what determines the rate you pay

An important part of buying insurance is that you know the rating factors that play a part in calculating auto insurance rates. Understanding what determines base rates helps enable you to make changes that will entitle you to big savings.

Always keep insurance in force - Driving with no insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
Your stress level may be raising your rates - Careers like judges, executives and accountants are shown to have higher rates than average due to job stress and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees pay the least.
Safer occupants lowers premiums - Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
Men are more aggressive - The statistics show that men are more aggressive behind the wheel. Now that doesn't mean men are WORSE drivers than women. They both have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.
Consolidate policies to earn discounts - Some auto insurance companies provide better rates to people who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it's still a good idea to compare rates to confirm you are receiving the best rates possible. Drivers may still find better rates by buying auto insurance from a different company.
Equipment add-ons that lower auto insurance rates - Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
Mature drivers pay less - Mature drivers are more cautious drivers, file fewer claims and are safer drivers. Teenage drivers have a tendency to get distracted easily in a vehicle therefore auto insurance rates are much higher.
Discounts for married couples - Having a wife or husband helps lower the price on your auto insurance policy. Having a significant other usually means you are more mature and responsible and statistics show drivers who are married are more cautious.

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

Auto insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all make the same claim of big savings if you change your policy. How do they all say the same thing? It's all in the numbers.

All the different companies can use profiling for the right customer that is profitable for them. For instance, a driver they prefer might be profiled as a mature driver, is a homeowner, and drives less than 7,500 miles a year. A propective insured who matches those parameters receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will be quoted a more expensive rate which leads to business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can confidently advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. It's not possible to predict the company that will provide you with the cheapest rates.

Final considerations

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, delays in responding to claim requests or denial of a claim. It doesn't matter what your reason, finding a new auto insurance company is actually quite simple.

Low-cost auto insurance is attainable on the web in addition to many Laurie insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

Throughout this article, we presented some good ideas how to compare auto insurance prices online. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a small mutual company.

Learn more today

More tips and info about auto insurance is located at the Missouri Department of Insurance website. Missouri drivers can find a variety of consumer forms, read industry bulletins, and find disaster information.