Getting the Cheapest Piedmont Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many people just like you. Online insurance companies like GEICO and Progressive constantly blast consumers with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

How to Compare Auto Insurance Quotes in Piedmont, Missouri

There are multiple methods to compare auto insurance prices but some are easier and takes less work. You could spend your day talking to insurance agencies in Piedmont, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each company provides a quote. This eliminates the need for quote forms to each individual auto insurance company.

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

The one downside to getting quotes like this is you are unable to specify which companies to get pricing from. If you prefer to choose specific providers to compare rates, we put together a list of auto insurance companies in Missouri. Click here to view list.

Whichever way you use, ensure you are comparing exactly the same quote information for every quote you compare. If you are comparing mixed coverages it's not possible to determine the best price in Piedmont.

Tips to Get Lower Piedmont Rates

It's important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

Shown below are a few of the "ingredients" used by your company to calculate premiums.

Better crash test results mean better rates - Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Liability coverage protects you - Your policy's liability coverage provides coverage if you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Do you work long hours in a high stress job? - Occupations such as lawyers, architects and dentists have the highest average rates because of high stress levels and lengthy work days. Other jobs such as actors, historians and retirees get better rates.
Add-on coverages can add up - There are quite a few extra coverages that you can get tricked into buying when buying auto insurance. Insurance for personal injury protection, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
Rate your vehicle for proper use - The higher the mileage driven in a year the more you'll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle.
Do you know your deductibles? - Your deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The higher the amount you have to pay, the less your auto insurance will be.

Don't pay full price with these discounts

Car insurance companies don't always advertise all available discounts in a way that's easy to find, so we took the time to find both the well known as well as the least known auto insurance savings. If you aren't receiving every discount possible, you're just leaving money on the table.

Fewer Miles Equal More Savings - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Club Memberships - Being a member of a civic or occupational organization could qualify you for a break when buying auto insurance.
Claim Free - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
Homeowners Discount - Owning a home in Piedmont may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren't that generous.

For a list of insurers with discount auto insurance rates in Piedmont, follow this link.

Even more information can be found at the Missouri Department of Insurance website. Visitors are able to find disaster information, find out which companies have the most complaints, read industry bulletins, and discover disciplinary actions.

And the best car insurance company is...

Cheap auto insurance can be sourced both online as well as from independent agents in Piedmont, and you need to price shop both so you have a total pricing picture. A few companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.