Comparing Low-Cost Liberty Car Insurance

Have you had enough of not being able to afford each month for car insurance? You're in the same situation as many other drivers in Missouri.

With consumers having so many options when it comes to car insurance, it's nearly impossible to choose the right provider.

Finding the best rates in Liberty is easy if you know what you're doing. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. But Missouri consumers do need to know the methods companies use to sell insurance online.

Comparison of Car Insurance in Liberty

Most major insurance companies give pricing directly from their websites. Obtaining pricing is pretty easy as you simply type in as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and returns a price. This makes comparing rates easy, but having to visit many different websites and fill out multiple forms is monotonous and tiresome. But it's very important to perform this step in order to get the best price on car insurance.

A less time-consuming method to lower your car insurance bill makes use of a single form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. Once the form is submitted, your coverage is rated and you can choose any or none of the returned quotes. If the quotes result in lower rates, it's easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

In order to find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter your coverages identical to your current policy. This way, you will have rate quotes based on similar coverages.

compare Liberty car insurance rates

Why some people pay less for insurance in Liberty

It's important that you understand the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to better car insurance rates.

Listed below are some of the items companies use to determine prices.

  • Small claims can cost you - If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Companies in Missouri generally give discounts to people who file claims infrequently. Car insurance is intended for major claims that would cause financial hardship.
  • What type of vehicle do you drive? - The make and model of the car you are buying insurance for makes a huge difference in how high your rates are. The most favorable rates tend to be for small economy passenger cars, but other factors influence the final cost greatly.
  • Older drivers save more - Youthful drivers in Missouri are statistically proven to be careless and easily distracted in a vehicle so car insurance rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Do you qualify for a multi-policy discount? - Most insurance companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to shop around to make sure you are getting the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • Liability coverage is peace of mind - Liability insurance will protect you when you are found liable for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Bump up deductibles to save - The deductibles define the amount you are willing to pay in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more expense you're willing to pay, the less your company will charge you for insurance.
  • Bad driving skills means higher rates - A bad driving record has a big impact on rates. Good drivers receive lower rates than bad drivers. Even a single ticket can increase rates by twenty percent. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Are you getting all your discounts?

Companies offering auto insurance don't list every discount very well, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Driver's Ed - Require your teen driver to successfully complete driver's ed class in school.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
  • Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Good Students Pay Less - Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Distant Student - Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Club Memberships - Being a member of a professional or civic organization may earn a discount when shopping for car insurance.
  • Homeowners Pay Less - Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Military Rewards - Being deployed with a military unit could mean lower rates.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, companies don't profit that way.

For a list of insurance companies offering car insurance discounts in Missouri, click here.

More detailed Missouri car insurance information can be read at the Missouri Department of Insurance website. Visitors are able to download brochures, learn about specific coverages, read enforcement actions against agents and companies, and read consumer alerts.

Other useful links include this site for car insurance rates in Missouri and this list of insurance agents in Liberty, MO.

The best insurance company isn't always the cheapest

We just presented a lot of techniques to lower your car insurance rates. The key thing to remember is the more providers you compare, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest premiums are with an unexpected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

As you restructure your insurance plan, don't be tempted to reduce needed coverages to save money. There have been many situations where an accident victim reduced collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.