Free Guide to Spending Less for Olivette Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are many Olivette consumers feeling the pinch from expensive auto insurance.

There is such a variety of to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

It's important to get comparison quotes at least once a year because insurance rates are constantly changing. Just because you had the lowest price a few years ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because we're going to demonstrate the proper way to find better coverage at a better price.

More discounts equal less premium

Companies that sell car insurance don't necessarily list all their discounts very clearly, so we researched both well-publicized and the more hidden auto insurance savings.

  • Save over 55 - Mature drivers may qualify for a discount up to 10%.
  • Defensive Driver - Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Military Discounts - Having a deployed family member could mean lower rates.
  • Use Seat Belts - Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.

Keep in mind that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way.

To see a list of companies offering auto insurance discounts in Missouri, follow this link.

Olivette auto insurance comparison

Quick Olivette Auto Insurance Quotes

Most companies like Progressive, GEICO, Allstate and State Farm allow you to get insurance quotes on the web. Getting online rates doesn't take much effort as you just type in the coverage amounts you desire into the quote form. Once you submit the form, the company's rating system will obtain information on your driving record and credit history and returns pricing information. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to do this in order to find a lower rate.

The preferred way to find better auto insurance pricing uses one simple form that gets price quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes quoting online much more efficient. As soon as you send your information, it is rated and you can choose any one of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To save time and find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it's recommended you complete the form with the limits and deductibles as shown on your current policy. This makes sure you will receive rate quotes based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

Listed below are a partial list of the pieces that factor into rates.

  • Are you male or female? - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. They both cause accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Little extras can really add up - There are many extra coverages that you can buy on your auto insurance policy. Coverages for personal injury protection, towing coverage and membership fees are examples of these. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
  • Traffic violations increase rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one citation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates.
  • Never allow your policy to lapse - Allowing your auto insurance policy to lapse is a fast way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a steep fine or even jail time.Then you may be required to file a SR-22 with the Missouri motor vehicle department.
  • Your occupation can affect rates - Did you know that where you work can have an impact on rates? Jobs such as judges, architects and financial analysts are shown to have higher average rates attributed to high stress and lots of time spent at work. Conversely, jobs such as actors, engineers and homemakers pay the least.
  • Your spouse saves you money - Having a wife or husband can actually save you money when buying auto insurance. It usually means you are more mature and it's statistically proven that being married results in fewer claims.

Switch companies and save? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to say the same thing that you can save if you switch your policy. How does each company make almost identical claims?

All the different companies are able to cherry pick for the right customer that is profitable for them. For instance, a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A driver who fits that profile will qualify for the lowest rates and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Shop smart and save

When shopping online for auto insurance, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate.

Affordable auto insurance is available online in addition to many Olivette insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

In this article, we presented a lot of tips how to compare auto insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from an unexpected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as .

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Find out more about auto insurance

Additional detailed information is located at the Missouri Department of Insurance website. Missouri consumers can learn about insurance regulations, discover disciplinary actions, file complaints about a company, and find disaster information.