Free Guide to Paying Less for Park Hills Auto Insurance Online

Having to pay for overpriced auto insurance can empty your savings account and put a big crunch on your finances. Comparing price quotes is a smart way to help make ends meet.

Popular companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and it is difficult to sift through the bull and find the best price available.

It's important to compare prices quite often because prices are constantly changing. Despite the fact that you may have had the lowest price on your last policy you may be paying too much now. There is a lot of bad advice regarding auto insurance online but we're going to give you some great ways to slash your auto insurance rates.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Finding affordable coverage in Park Hills is quite easy. Nevertheless, Missouri drivers do need to know the way companies compete online because it can help you find the best coverage.

Free Quotes for Auto Insurance in Park Hills, Missouri

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You could spend your day discussing policy coverages with agents in Park Hills, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company can give them a price determined by their information. This eliminates the need for quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The single downside to pricing coverage this way is you can't choose which companies you want to price. So if you want to choose individual companies for rate comparison, we have a listing of auto insurance companies in Missouri. Click to view list.

It doesn't matter which method you choose, just make darn sure you compare exactly the same coverage information with every price quote. If your comparisons have unequal deductibles or liability limits it's not possible to find the best deal in Park Hills. Just a small difference in coverage limits can result in a big premium difference. And when comparison shopping, comparing a large number of companies will increase your chances of finding the best offered rates.

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get better auto insurance rates.

The following are a partial list of the pieces used by your company to calculate your rates.

More than one policy can earn a discount - Many companies give discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to shop around to verify if the discount is saving money.
Older drivers save more - More mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers are known to get distracted easily when driving and because of this, their auto insurance rates are much higher.
Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women have accidents in similar numbers, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Protect your assets with liability insurance - Liability coverage is the protection in the event that a court rules you are at fault for personal injury or accident damage. It provides legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

How much can you save with discounts?

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but a few must be inquired about prior to getting the savings.

Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Resident Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
Save over 55 - Older drivers may be able to get a small decrease in premiums.
Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Club Memberships - Participating in a civic or occupational organization could qualify you for a break on your policy.
Drivers Ed for Students - Require your teen driver to take driver's ed class if it's offered in school.
Good Student Discount - Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Low Mileage - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of providers who offer auto insurance discounts in Park Hills, follow this link.

How much car insurance do I need?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs might need an agent's assistance.

Do I need PIP (personal injury protection) coverage in Missouri?
Why does it cost so much to insure a teen driver in Park Hills?
Should I buy additional glass protection?
Do I have any recourse if my insurance company denies a claim?
Are rental cars covered under my policy?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?

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 an insurance agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Additional auto insurance information is located on the website for the Missouri Department of Insurance located here. Missouri consumers can read consumer alerts, read enforcement actions against agents and companies, learn about insurance regulations, and view a list of available companies.

Affordable insurance is out there

When you buy insurance online, it's not a good idea to reduce needed coverages to save money. Too many times, drivers have reduced collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Cost effective auto insurance can be bought online as well as from independent agents in Park Hills, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.