Tightwads Guide to Saving on Mansfield Auto Insurance

Overpriced auto insurance can drain your bank account and put the squeeze on your family's finances. Shopping your coverage around is a great way to cut your insurance bill. Because you have many choices, it can be impossible to choose the most cost effective car insurance company.

Save big with these discounts

Car insurance companies don't always list every discount very well, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving. If you don't get every credit you deserve, you're just leaving money on the table.

  • Government Employees - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Senior Discount - Older drivers may receive a small decrease in premiums.
  • Own a Home - Simply owning a home can save you money because maintaining a house is proof that your finances are in order.
  • Passive Restraints - Cars that have air bags or automatic seat belts can receive discounts up to 30%.
  • Driver's Ed - Require your teen driver to successfully complete driver's ed class if offered at their school.

Keep in mind that some credits don't apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it just doesn't work that way.

For a list of insurance companies with discount auto insurance rates in Missouri, click here.

Free Mansfield Auto Insurance Quotes

Finding a better price on auto insurance is surprisingly easy. You just have to invest a little time comparing rates online from several insurance companies. This can be accomplished in a couple of different ways.

One of the best ways to find low rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quote forms for every auto insurance company. One form gets you price quotes from many national carriers.

A less efficient way to get quotes online requires a trip to the website of each company and fill out their own quote form. For examples sake, let's say you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Mansfield, click here.

The most time-consuming way of getting rate comparisons is to spend time driving to and from local Mansfield insurance agencies. Shopping for auto insurance online makes this process obsolete unless you want the professional advice of a local Mansfield agent. It is possible to compare online quotes and still use a local agent and we'll touch on that later.

Whichever method you choose, make darn sure you compare apples-to-apples quote information for every quote you compare. If the quotes have mixed coverages you can't possibly determine the best price in Mansfield.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions may help you determine if your situation might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Is rental equipment covered for theft or damage?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?

If you can't answer these questions then you might want to talk to an 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.

And the best car insurance company is...

When you buy insurance online, don't be tempted to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Affordable auto insurance can be sourced on the web as well as from independent agents in Mansfield, so compare prices from both so you have a total pricing picture. There are still a few companies who don't offer online quoting and these regional insurance providers work with independent agents.