Top Ways to Save on Maitland Car Insurance

Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than many other drivers in Missouri. You have multiple to buy insurance from, and though it is a good thing to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons before your policy renews due to the fact that insurance rates are constantly changing. If you had the best price last year the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because we're going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.

The purpose of this post is to let you in on how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Missouri vehicle owners just need to know the proper way to buy car insurance online.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. Some trigger automatically at the time of purchase, but a few need to be asked for prior to receiving the credit. If you're not getting every credit available, you're paying more than you need to.

Senior Citizens - Mature drivers can possibly qualify for reduced rates.
Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
College Student - Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
Sign Online - A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
One Accident Forgiven - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Pay Upfront and Save - If you pay your bill all at once instead of paying each month you can actually save on your bill.

Consumers should know that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies don't profit that way. But all discounts will bring down the cost of coverage.

To see a list of companies with the best car insurance discounts in Missouri, follow this link.

Comparison of Car Insurance in Maitland

Most companies like Progressive, GEICO, Allstate and State Farm give pricing on the web. Obtaining pricing is pretty easy as you just type in as detailed in the form. Once you submit the form, the system will obtain your credit score and driving record and provides a quote. Being able to quote online makes comparing rates easy, but the work required to visit different websites and complete many quote forms is not the best way to spend an afternoon. But it's very important to do this in order to get the best price on car insurance.

The preferred way to lower your car insurance bill makes use of a single form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes online shopping much easier. After sending your information, your coverage is rated and you are able to buy any one of the price quotes you receive.

If you find a better price you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most 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 vehicle and coverage information. If you currently have coverage, we recommend you complete the form with coverages and limits identical to your current policy. This makes sure you will be getting a price comparison based on the exact same insurance coverage.

Why some people pay less for insurance in Maitland

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

The list below includes a few of the "ingredients" companies use to determine rates.

Men fork out a little more - The statistics show that women are safer drivers than men. However, don't assume that women are better drivers. They both are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
Never allow your policy to lapse - Not having insurance is against the law and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance might get you a steep fine or even jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Missouri DMV.
Rates may be higher depending on your occupation - Jobs such as lawyers, architects and financial analysts tend to pay higher average rates due to stressful work requirements and lots of time spent at work. Conversely, occupations such as farmers, engineers and the unemployed have the lowest average rates.
Mature drivers pay less - Youthful drivers in Missouri tend to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
Your credit rating is important - Credit rating is a big factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit score can use some improvement, you could pay less to insure your by spending a little time repairing your credit.
Marriage pays dividends - Having a spouse actually saves money when buying car insurance. It is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
Bundling policies can get discounts - The majority of companies will give a discount to insureds who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare rates to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
Please use or commuting - The more you drive every year the more you will pay for car insurance. Most companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy shows the correct driver usage.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Consumers in Missouri can't get away from ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you'll save big if you move to them.

How does each company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the type of driver that is profitable for them. For example, a desirable insured might be between 25 and 40, is a homeowner, and has great credit. Any driver who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "everybody who quotes" save money. That's why companies can advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. You cannot predict the company that will give you the biggest savings.

Best coverage at the best price

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best price.

Discount car insurance is definitely available both online and with local Maitland insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Learn more today

Much more information about car insurance in Missouri can be found on the website for the Missouri Department of Insurance found here. Visitors are able to learn about insurance regulations, find a variety of consumer forms, read industry bulletins, and read enforcement actions against agents and companies.