Consumer Tested Strategies to Save on Noel Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your checking account and put the squeeze on your family's finances. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Big-name insurance companies like GEICO and Progressive increase brand awareness with catchy ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you in Noel is easy if you know what you're doing. Missouri vehicle owners just need to know the tricks to find the lowest price on the web.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise all available discounts in a way that's easy to find, so we researched both well-publicized and the harder-to-find auto insurance savings. If you aren't receiving every discount you deserve, you are throwing money away.

Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.
Clubs and Organizations - Participating in a civic or occupational organization could qualify you for a break when buying auto insurance.
No Claims - Drivers who don't have accidents pay much less when compared with drivers who are more careless.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.
Own a Home - Owning a home in Noel may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
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.
Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies don't profit that way.

Your personal situation dictates your coverage

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you may require specific advice.

Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Do I qualify for additional discounts?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered if I drive in a foreign country?
Does my policy cover my teen driver if they drive my company car?
Is my cargo covered for damage or theft?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and may give you better protection.

The auto insurance bait and switch

Missouri consumers get pounded daily by advertisements for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies say the same thing that you'll save big if you change your policy.

How can each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the right customer that earns them a profit. For instance, a profitable customer could possibly be over the age of 50, has no prior claims, and drives newer vehicles. A customer getting a price quote who fits that profile will get the preferred rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save that kind of money. This is how companies can claim big savings. This illustrates why you should get as many quotes as possible. It's impossible to know which insurance companies will give you the biggest savings.

Learn more about auto insurance in Missouri

More detailed Missouri auto insurance information is located at the Missouri Department of Insurance website. Missouri consumers can report car insurance fraud, file complaints about an insurance agent or broker, find out which companies have the most complaints, and read industry bulletins.

Best coverage at the best price

Discount auto insurance can be sourced online in addition to many Noel insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability coverage limits only to discover later that it was a big mistake. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.