6 Tips Guaranteed to Save Money on Car Insurance Costs in Monticello, MO

Are you intimidated by the dozens of car insurance choices in Monticello? Lot's of other consumers are too. People have so many companies to choose from that it can turn into a real hassle to find lower rates.

It's important to get comparison quotes every six months since rates are constantly changing. If you had the lowest price on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you're about to learn the fastest and easiest way to eliminate unnecessary coverages and save money.

Monticello car insurance quote

Comprehensive Monticello Car Insurance Comparison

There are several ways to compare rate quotes from car insurance companies in your area. One of the best ways to compare insurance prices is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate quote forms to each individual car insurance company. Filling out one form gets you coverage quotes from many national carriers. This is by far the quickest method.
  2. A different way to get quotes online consists of going to the website for each individual company to complete their respective quote request forms. For example, we'll pretend you want to compare rates from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Monticello, click here.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples coverages on every quote you get. If you have different limits and deductibles on each one then you won't be able to determine which rate is truly the best in Monticello. Having just a slight variation in limits could mean much higher rates. Just remember that having more price comparisons provides better odds of finding lower pricing.

Save big with these six discounts

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but less common discounts must be inquired about before you get the savings.

  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Organization Discounts - Belonging to a professional or civic organization could trigger savings on your policy.
  • Federal Government Employee - Employees or retirees of the government may qualify you for a discount with certain companies.
  • Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Multi-policy Discount - If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • No Claims - Drivers with accident-free driving histories pay much less compared to accident-prone drivers.

Keep in mind that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will help reduce your overall premium however.

To choose providers with the best car insurance discounts in Missouri, click this link.

Car insurance ads bend the truth

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads make the same claim that you can save if you move your policy. But how can every company make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the right customer that makes them money. For instance, a preferred risk could be between the ages of 40 and 55, has no driving citations, and has great credit. Any new insured who matches those parameters will get very good rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be charged a higher premium which leads to business going elsewhere. The ads say "customers who switch" not "people who quote" save that kind of money. That's the way insurance companies can advertise the savings.

That is why you need to get as many quotes as possible. It's just too difficult to predict which car insurance company will fit your personal profile best.

More information is located on the Missouri Department of Insurance website found here. Consumers can read consumer alerts, find out which companies have the most complaints, and download brochures.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Monticello agent directory.

The best insurance company isn't always the cheapest

When you buy insurance online, do not reduce coverage to reduce premium. Too many times, someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Affordable car insurance is definitely available from both online companies in addition to many Monticello insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Insureds who switch companies do it for a variety of reasons including policy cancellation, questionable increases in premium, extreme rates for teen drivers or even policy non-renewal. Whatever your reason, finding a new car insurance company is easier than you think.