Finding Low-Cost Montgomery City Auto Insurance

I can't think of a single person who likes having to buy auto insurance, especially knowing they are paying too much. Because you have many online and local companies to choose from, it is hard for the average consumer to locate the most cost effective car insurance company.

It's important to price shop coverage periodically since insurance rates are constantly changing. Just because you found the best rates a few years ago you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance on the web, but we're going to give you some great ways to put money back in your pocket.

The purpose of this post is to familiarize you with the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Missouri drivers only need an understanding of the most efficient way to find the lowest price on the web.

Don't pay full price with these discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount. If you don't get every credit you qualify for, you are throwing money away.

Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
Good Student - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.
Multi-policy Discount - If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
No Claims - Good drivers with no accidents pay less compared to drivers who are more careless.
Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Discount for Life Insurance - Larger companies have a break if you buy auto and life insurance together.
Clubs and Organizations - Affiliation with a professional or civic organization could qualify you for a break on your policy.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will help reduce your premiums.

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

Does my insurance cover a custom paint job?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?
Am I covered when driving in Canada or Mexico?
What companies insure drivers after a DUI or DWI?
Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

The auto insurance bait and switch

Missouri drivers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. All the ads say the same thing of big savings if you change your policy.

But how can every company say the same thing?

All the different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a preferred risk might be profiled as between the ages of 30 and 50, a clean driving record, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile will be charged more money which usually ends up with business not being written. The ad wording is "people who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently make the claims of big savings.

That is why you should get a wide range of price quotes. It's not possible to predict which company will fit your personal profile best.

Additional Missouri consumer information

Additional auto insurance information can be read on the website for the Missouri Department of Insurance through this link. Missouri drivers can find out industry alerts, file complaints about a company, report car insurance fraud, and read consumer alerts.

Also read more on NAIC.org's Understanding your Policy and this directory of Montgomery City insurance agents.

And the best car insurance company is...

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Throughout this article, we presented a lot of tips how to reduce auto insurance prices online. It's most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest rates come from a company that doesn't do a lot of advertising. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

Cost effective auto insurance can be sourced on the web in addition to many Montgomery City insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.