Tightwads Tips for Saving on Meta Auto Insurance

No one in their right mind looks forward to buying auto insurance, especially knowing the cost is too high.

Drivers have so many to buy insurance from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices periodically since insurance rates are constantly changing. Just because you had the best rates last year you can probably find a lower rate today. There is too much inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to find affordable auto insurance.

Meta Auto Insurance Comparisons

There are several ways to compare rate quotes from different Meta insurance companies. The best method to find competitive insurance rates is to get quotes online. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms for every auto insurance company. Just one form will return quotes from several companies.
  • A harder way to compare rate quotes is to take the time to go to each individual company website and fill out their own quote form. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker.

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

It doesn't matter which method you choose, just be sure to compare identical coverages and limits for each comparison quote. If you are comparing different deductibles you can't possibly determine the lowest rate in Meta. Just a small difference in limits can result in a big premium difference. Keep in mind that comparing a large number of companies helps locate a lower rate.

Take advantage of discounts

Companies that sell car insurance don't always publicize all their discounts very clearly, so the following is a list of some of the best known and also the lesser-known auto insurance savings.

  • Accident Forgiveness - Certain companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Early Signing - Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • Senior Discount - Mature drivers may qualify for a small decrease in premiums.
  • Claim Free - Good drivers with no accidents pay less as compared to bad drivers.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, it just doesn't work that way.

To see a list of companies offering auto insurance discounts in Missouri, follow this link.

How to know if you need help

When choosing coverage for your vehicles, there isn't really a single plan that fits everyone. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Missouri?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I wreck a rental car?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Additional detailed information can be read at the Missouri Department of Insurance website. Missouri drivers can learn about insurance regulations, learn about specific coverages, file complaints about a company, and read industry bulletins.