Tightwads Tips for Saving on Patton Auto Insurance

Are you sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other drivers in Missouri.

Consumers have many to pick from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates.

This article will let you in on how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Although Missouri drivers do need to know the methods companies use to price online insurance and apply this information to your search.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, but there could be available discounts that many people don't even know exist. Most are applied at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit.

  • Service Members Pay Less - Being on active duty in the military could mean lower rates.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% depending on your company.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Multi-car Discount - Having more than one vehicle on one policy could earn a price break for each car.
  • Discount for New Cars - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.

A little note about advertised discounts, most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down your premiums.

auto insurance in Patton

The auto insurance bait and switch

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch to their company. How does each company make almost identical claims?

All companies can use profiling for the driver that earns them a profit. For example, a profitable customer could possibly be over the age of 40, is a homeowner, and has a high credit rating. A customer getting a price quote who meets those qualifications gets the lowest rates and therefore will save when switching.

Potential customers who don't measure up to these standards must pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's why companies can truthfully state the savings.

This illustrates why you should get as many quotes as possible. It's impossible to know the company that will have the lowest rates.

Additional information can be found on the website for the Missouri Department of Insurance through this link. Missouri consumers can find disaster information, download brochures, find out industry alerts, and file complaints about an insurance agent or broker.

Also read more on this page for auto insurance prices in Missouri and this page of Patton insurance agents.

Affordable insurance is out there

The cheapest auto insurance can be found online and also from your neighborhood Patton agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced physical damage coverage only to discover later that they should have had better coverage. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.