Tightwads Guide for Saving on Osceola Car Insurance
Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you're not alone.
Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.
It's important to compare rates every six months because rates are constantly changing. If you had the best price two years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to find out one of the easiest ways to properly buy coverages while reducing your premium.
If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates in Osceola is easy if you know what you're doing. But Missouri car owners do need to know how the larger insurance companies determine prices and apply this information to your search.
How to Compare Car Insurance in Osceola, Missouri
Most companies give prices online. The process is quite easy as you simply enter the coverages you want as detailed in the form. When the form is submitted, their rating system will obtain your driving and credit reports and generates a price based on these and other factors. Online quotes simplifies rate comparisons, but the time required to go to different websites and complete many quote forms can get tiresome after awhile. But it's very important to have as many quotes as possible in order to get the best price on car insurance.
The easy way to compare rates
A quicker way to lower your rates utilizes a single form to return rates from several different companies. The form is fast, eliminates repetitive work, and makes price shopping online much simpler. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the quotes returned.
If you find a better price you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.
If you want to find out if lower rates are available, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you replicate the insurance coverages identical to your current policy. This ensures you will get a price comparison for similar insurance coverage.
Are you getting all your discounts?
Car insurance is not cheap, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specially asked for prior to getting the savings.
- Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
- Memberships - Belonging to a civic or occupational organization is a good way to get lower rates on your policy.
- Drivers Ed for Students - Have your child take driver's ed class in high school.
- Service Members Pay Less - Being on active duty in the military can result in better rates.
- Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
- Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
- Low Mileage - Keeping the miles down can earn discounted rates on garaged vehicles.
- Defensive Driving Course - Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Multi-policy Discount - When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, companies don't profit that way. But all discounts will reduce the cost of coverage.
To see a list of providers with the best car insurance discounts in Osceola, click here to view.
Much more information about car insurance in Missouri can be found on the website for the Missouri Department of Insurance found here. Consumers can read consumer alerts, find out which companies have the most complaints, download brochures, and find disaster information.
