Tightwads Instructions on Saving on Napoleon Auto Insurance

Have you had enough of robbing Peter to pay Paul each month for car insurance? You are no different than most other car owners in Missouri. Lots of contend to insure your vehicles, so it's not easy to compare every and uncover the absolute lowest price

It's important to take a look at other company's rates once or twice a year because insurance rates are constantly changing. Even if you got the best rates a few years ago there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance on the internet, so I'm going to show you some great ways to reduce your auto insurance bill.

Napoleon Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. Understanding what influences your rates enables informed choices that may reward you with big savings.

  • Rate your vehicle for proper use - Driving more miles every year the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
  • Equipment add-ons that lower auto insurance rates - Driving a car with an alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Do you have enough liability coverage? - Liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Teen drivers pay high rates - Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Teen drivers are known to be less responsible in a vehicle therefore auto insurance rates are much higher.
  • Discounts for multiple policies - Many insurers will give a discount to customers who consolidate policies with them. It's known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, you still need to comparison shop to ensure the best deal. You may still find better rates by splitting coverages up.
  • Drive a safer car and pay less - Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
  • Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.

Missouri auto insurance quotes

Fast and Easy Napoleon Auto Insurance Quotes

All major auto insurance companies such as GEICO, State Farm and Progressive allow you to get coverage prices on the web. Getting online rates is pretty painless as you just type in the amount of coverage you want as detailed in the form. After the form is submitted, the company's rating system will obtain your driving and credit reports and gives you a price quote based on many factors. Quoting online helps simplify price comparisons, but the process of having to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it's very important to get many rate quotes in order to find the best price on auto insurance.

There is a better way!

The preferred way to find cheaper rates uses one simple form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes comparison shopping much easier to do. After sending the form, it is rated and you can select any of the resulting price quotes.

If a lower price is quoted, you can click and sign and purchase the new policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you copy as shown on your current policy. This makes sure you are getting a fair comparison for the exact same coverage.

Are you getting all your discounts?

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be manually applied prior to getting the savings. If they aren't giving you every credit available, you are paying more than you should be.

  • Discount for New Cars - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Life Insurance - Some companies give lower rates if you buy auto and life insurance together.
  • Organization Discounts - Participating in certain professional organizations is a good way to get lower rates on auto insurance.
  • Driver Safety - Taking part in a course in driver safety could save 5% or more if your company offers it.

Keep in mind that most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will cut the cost of coverage.

To choose companies who offer auto insurance discounts in Napoleon, click here to view.

How can GEICO, State Farm and Progressive save drivers who switch?

Missouri consumers can't ignore all the ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise that you can save after switching to their company.

How do they all make almost identical claims?

All the different companies can use profiling for the driver that makes them money. A good example of a desirable insured could possibly be over the age of 50, has no tickets, and has a short commute. A driver who meets those qualifications will get the preferred rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everybody who quotes" save that much. That's why insurance companies can make the claims of big savings.

Because of the profiling, you need to quote coverage with many companies. It is impossible to predict the company that will fit your personal profile best.

More information can be read on the website for the Missouri Department of Insurance located here. Missouri consumers can file complaints about an insurance agent or broker, view a list of available companies, find out which companies have the most complaints, and read enforcement actions against agents and companies.

compare Napoleon auto insurance rates

Best coverage at the best price

As you shop your coverage around, never reduce coverage to reduce premium. In many instances, an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

Affordable auto insurance can be purchased online and also from your neighborhood Napoleon agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online price quotes and most of the time these small insurance companies sell through independent agents.