How to Know You're Spending Too Much for Auto Insurance in Lebanon

Overpriced auto insurance can take a big chunk out of your bank account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

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Don't pay full price with these discounts

Insuring your fleet can be pricey, but there could be available discounts that many people don't even know exist. Some trigger automatically when you complete an application, but a few need to be manually applied before they will apply. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Accident Waiver - A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Passive Restraints - Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way. But any discount will reduce your premiums.

For a list of insurance companies offering auto insurance discounts in Lebanon, click here to view.

Where Can I Get Cheap Lebanon Auto Insurance?

There are multiple methods to compare auto insurance quotes, but some are more efficient than others. You can waste hours talking to insurance companies in Lebanon, or you could use online quoting to get rates in a matter of minutes.

Most car insurance companies belong to an insurance system that enables customers to enter their policy data once, and at least one company provides a quote based on that information. This saves time by eliminating quote forms to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The one downside to using this type of system is you cannot specify the companies to get quotes from. If you wish to select from a list of companies to compare rates, we have assembled a list of companies who write auto insurance in Missouri. Click here for list of insurance companies in Missouri.

It's up to you which method you use, but make sure you use exactly the same coverage limits and deductibles on every quote. If the quotes have different liability limits then you won't be able to make a fair comparison in Lebanon.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

In the end, you save

As you shop your coverage around, it's not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Affordable auto insurance can be found both online and also from your neighborhood Lebanon agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide online quoting and these regional insurance providers work with independent agents.