Compare Memphis Auto Insurance Prices With These Methods

Are you overwhelmed by the crazy number of auto insurance options in Memphis? You're not the only one! You have so many choices that it can turn into a big hassle to compare prices.

It's important to do rate comparisons at least once a year since insurance rates are constantly changing. Just because you found the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to learn the quickest way to properly buy coverages while reducing your premium.

Pricing affordable auto insurance in Memphis is quite easy. If you have a policy now or need new coverage, you can follow these tips to get lower rates while maximizing coverage. Missouri vehicle owners just need to know the most effective way to compare company rates on the web.

Comprehensive Memphis Auto Insurance Comparison Quotes

Performing a rate comparison can take time and effort if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to insurance agencies in Memphis, or you could use the web to get the quickest rates.

The majority of car insurance companies take part in a program that allows shoppers to submit one quote, and each participating company can give them a price based on the submitted data. This system prevents you from having to do quote forms to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one downside to doing it this way is you are unable to specify the providers you want to price. So if you want to select from a list of companies to compare, we have a page of companies who write auto insurance in Missouri. Click here to view list.

It's up to you how you get prices quotes, just compare apples-to-apples quote information for each price quote. If each company quotes mixed coverages you can't possibly truly determine the lowest rate in Memphis.

Be sure to get all your discounts

Car insurance is not cheap, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few need to be asked for before you will receive the discount. If you don't get every credit possible, you're paying more than you need to.

Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
Low Mileage - Low mileage vehicles can earn better rates on cars that stay parked.
Multiple Cars - Buying insurance for all your vehicles on the same auto insurance policy can get a discount on all vehicles.
Multi-policy Discount - When you combine your home and auto insurance with one company you may save at least 10% off all policies.
Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Auto/Life Discount - Select insurance companies reward you with a break if you buy life insurance.
Resident Student - Any of your kids who attend school more than 100 miles from home and don't have a car can receive lower rates.
Driver's Ed - Have your child take driver's ed class if offered at their school.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of providers with discount auto insurance rates in Missouri, click this link.

Find out more about auto insurance

Much more information about auto insurance in Missouri can be found on the Missouri Department of Insurance website found here. Missouri drivers can read consumer alerts, find disaster information, and report car insurance fraud.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Memphis agent directory.