10 Ways You Can Buy Car Insurance for Less in Neosho

Expensive car insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is a smart way to make sure you're not throwing money away. Online insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Don't pay full price with these ten discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Some discounts apply automatically when you get a quote, but some may not be applied and must be inquired about before you will receive the discount. If you aren't receiving every discount you deserve, you are throwing money away.

  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
  • Student in College - Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Own a Home - Owning a home in Neosho may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Military Rewards - Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Accident Free - Drivers who don't have accidents pay less when compared with drivers who are more careless.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will reduce your premiums.

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Neosho?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can provide invaluable advice.

The car insurance bait and switch

Consumers get pounded daily by advertisements for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies say the same thing about savings after switching to them.

How can each company make the same claim?

All companies have a preferred profile for the type of driver that earns them a profit. A good example of a profitable customer could be over the age of 50, insures multiple vehicles, and has great credit. Any new insured who fits that profile will get very good rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements must pay higher premiums which usually ends up with business going elsewhere. The ads say "people who switch" not "everyone that quotes" save money. This is how companies can truthfully advertise the savings.

This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

Additional information can be read on the website for the Missouri Department of Insurance through this link. Consumers can report car insurance fraud, read enforcement actions against agents and companies, get help finding coverage, and view a list of available companies.

Neosho car insurance comparison

Best coverage at the best price

Cheap car insurance can be sourced from both online companies and with local Neosho insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it's not a good idea to skimp on coverage in order to save money. In too many instances, drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.