Free Guide to Paying Less for Lone Jack Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are many Lone Jack consumers feeling the pinch from expensive auto insurance.

With so many insurance companies to choose from, it can be hard to pick the cheapest company.

How much can you save with discounts?

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Some discounts apply automatically when you complete an application, but less common discounts must be asked about before they will apply.

Memberships - Being a member of a professional or civic organization could trigger savings when buying auto insurance.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy could earn a price break for each car.
No Charge for an Accident - Some insurance companies permit an accident before raising your premiums so long as you haven't had any claims for a set time period.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Auto/Life Discount - Some companies give a break if you buy life insurance.

Keep in mind that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

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

Comprehensive Lone Jack Auto Insurance Comparison

Effectively comparing auto insurance prices can be challenging if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Lone Jack, or you can utilize online quotes to get the quickest rates.

Many insurance companies belong to an insurance system that allows shoppers to send in one quote, and at least one company returns a rated price 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.

One minor caviat to using this type of system is you don't know exactly which carriers you want pricing from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of low cost auto insurance companies in Missouri. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information on every quote. If your comparisons have mixed coverages it will be impossible to make a fair comparison in Lone Jack. Having just a slight variation in limits may result in a large different in cost. Just remember that getting more free quotes provides better odds of finding the best offered rates.

You have some control over your rates

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that could result in much lower annual insurance costs.

Do you have enough liability coverage? - Liability coverage provides coverage if you are found liable for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
Being married can save on auto insurance - Having a wife or husband can get you a discount on your auto insurance policy. Having a spouse means you're more mature and it's statistically proven that being married results in fewer claims.
The more you drive the more you pay - Driving more miles in a year the more you'll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
Safer occupants lowers premiums - Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as judges, executives and stock brokers tend to have the highest rates attributed to high stress and long work days. On the other hand, occupations like actors, students and performers receive lower rates.

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

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make the same claim that you can save after switching to their company. But how can every company claim to save you money?

Insurance companies are able to cherry pick for the driver that is profitable for them. For instance, a profitable customer might be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile must pay higher rates which leads to the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can advertise the way they do.

This illustrates why drivers must get as many quotes as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Do the work, save more money

Affordable auto insurance can be sourced both online and also from your neighborhood Lone Jack agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Learn more about Missouri auto insurance

More information is located on the website for the Missouri Department of Insurance through this link. Visitors are able to find out which companies have the most complaints, learn about insurance regulations, get help finding coverage, and file complaints about an insurance agent or broker.

Additional helpful sites include this link for Missouri auto insurance quotes and this link which helps you find a Lone Jack agent.