Tightwads Guide to Saving on New Cambria Auto Insurance

Having to pay for overpriced auto insurance can overdraw your savings account and make it hard to pay other bills. Comparing price quotes is a smart way to tighten up your finances. With consumers having so many different company options, it is very difficult to choose the best company.

Finding affordable coverage in New Cambria is quite easy. If you have insurance now or need new coverage, you can use these techniques to get lower rates while maintaining coverages. Missouri drivers only need an understanding of the proper methods to compare rates online.

Free Quotes for Auto Insurance in New Cambria, Missouri

Getting better auto insurance pricing is a fairly straight forward process. Consumers just need to take a few minutes comparing rates online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get the best comparison quotes is a comparison rater form (click to open form in new window). This method prevents you from having to do a different quote to each individual auto insurance company. One form compares rates .

A slightly less efficient method to shop for auto insurance online is going to each individual company website to request a price quote. For sake of this example, let's assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why the first method is more popular.

For a list of links to companies insuring cars in New Cambria, click here.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits and deductibles for each price quote. If you enter different liability limits it's impossible to truly determine the lowest rate in New Cambria.

Why some people pay less for insurance in New Cambria

It's important that you understand some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

Increase deductibles and save - Your deductibles represent how much money you are willing to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more you're willing to pay, the bigger discount you will receive.
Older drivers save more - Youthful drivers in Missouri are statistically proven to get distracted easily when driving so auto insurance rates are higher. Parents adding a teen driver to your policy can be quite pricey. More mature drivers are more responsible, file fewer claims and are safer drivers.
Your credit rating is important - A driver's credit score is a important factor in determining what you pay for auto insurance. If your credit score is lower than you'd like, you could be paying less to insure your by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit.
One company can mean more discounts - Most companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to make sure you are getting the best deal.
Battle of the sexes - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that women are better drivers. They both have accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.

Policy discounts you shouldn't miss

Auto insurance companies don't necessarily list all available discounts very well, so we researched both the well known as well as the least known auto insurance savings. If you don't get every credit you deserve, you're just leaving money on the table.

Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
Student in College - Children who are attending college and do not have a car can receive lower rates.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Accident Waiver - Some insurance companies will forgive one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
Senior Citizens - Older drivers may qualify for reduced rates.
Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.

It's important to understand that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it doesn't quite work that way.

For a list of insurers offering auto insurance discounts in Missouri, follow this link.

Insurance agents can help

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation might need professional guidance.

Can I afford to buy a different vehicle if my vehicle is totaled?
What are Missouri no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Do I need PIP (personal injury protection) coverage in Missouri?
Should I buy additional glass protection?
Should I have combined single limit or split liability limits?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It's fast, free and can help protect your family.

More tips and info about auto insurance is located at the Missouri Department of Insurance website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, find out industry alerts, and read consumer alerts.

Other useful links include this link for Missouri auto insurance quotes and this page for help finding agents in New Cambria, MO.

A tidy conclusion

Low-cost auto insurance can be found both online and with local New Cambria insurance agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In too many instances, drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We covered a lot of information how to lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like .