Easy Methods to Save Money on Lawson Auto Insurance

Comparing Lawson auto insurance rates online might seem complicated at first if you've never compared online rate quotes. But don't be discouraged because it's actually quite easy.

It's important to compare rates periodically since insurance rates are constantly changing. If you had the best price a year ago there may be better deals available now. Block out anything you think you know about auto insurance because you're about to find out one of the easiest ways to lower your rates without sacrificing coverage.

Lawson auto insurance comparison

How much can you save with discounts?

Car insurance companies don't always list all their discounts in a way that's easy to find, so we took the time to find some of the best known as well as the least known savings tricks you should be using.

  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
  • No Accidents - Good drivers with no accidents can save substantially as compared to frequent claim filers.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren't that generous.

For a list of companies with the best auto insurance discounts in Lawson, click here to view.

Lawson Auto Insurance Comparisons

There are several ways to shop for auto insurance, but some are more efficient than others. You can waste hours talking to agents in Lawson, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that allows shoppers to submit their information once, and at least one company then gives them pricing based on that data. This saves time by eliminating 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 using this type of system is that you can't choose the companies to receive prices from. So if you prefer to choose individual companies for rate comparison, we put together a list of auto insurance companies in Missouri. View list of Missouri insurance companies.

It's up to you which method you use, but be sure to compare exactly the same deductibles and coverage limits on every quote. If you have different values for each quote it's not possible to make a fair comparison in Lawson. Quoting even small variations in coverages may result in a large different in cost. Keep in mind that getting more free quotes will improve the odds of getting better pricing.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs could use an agent's help.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

The best insurance company isn't always the cheapest

While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford.

In this article, we covered some good ideas how you can get a better price on auto insurance. The key concept to understand is the more times you quote, the better chance you'll have of finding lower rates. You may even find the lowest premiums are with the least-expected company.

People who switch companies do it for a number of reasons such as not issuing a premium refund, poor customer service, extreme rates for teen drivers and high rates after DUI convictions. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.