Proven Ways to Save on Pierce City Auto Insurance

Are you tired of paying out the nose each month for car insurance? You are in the same boat as the majority of other car owners in Missouri.

Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage before your policy renews because prices are constantly changing. Even if you think you had the best deal two years ago you can probably find a better price now. Starting now, forget all the misinformation about auto insurance because you're going to get a crash course in the proper way to lower your annual insurance bill.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

Shown below are some of the factors that factor into your rates.

Better credit scores mean better rates - Your credit score is a important factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit. If your credit history is low, you could save money insuring your by improving your credit score.
Your stress level may be raising your rates - Occupations like doctors, architects and dentists are shown to have the highest average rates because of high stress and lengthy work days. Other occupations like farmers, historians and retirees pay the least.
Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Theft deterrents lower rates - Driving a car with an alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Liability insurance protects assets - Your policy's liability coverage will protect you in the event that a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
Too many auto insurance claims drive up costs - Insurance companies in Missouri provide cheaper rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for major claims that would cause financial hardship.
Marriage pays dividends - Being married helps lower the price when buying auto insurance. Marriage usually means you are more mature and it's proven that drivers who are married are more cautious.
Men are more aggressive - The statistics show women are more cautious behind the wheel. Now that doesn't mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as DWI and reckless driving.

Be sure to get all your discounts

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied when you get a quote, but some must be specially asked for before you will receive the discount.

Passive Restraint Discount - Vehicles with factory air bags can qualify for discounts up to 30%.
No Claims - Claim-free drivers can earn big discounts compared to accident-prone drivers.
Low Mileage - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Organization Discounts - Participating in a civic or occupational organization could qualify you for a break on your policy.

It's important to note that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, you're out of luck. But any discount will reduce the amount you have to pay.

To choose providers with discount auto insurance rates in Pierce City, follow this link.

Is there truth in advertising?

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads say the same thing that you can save if you change your policy. How can each company make almost identical claims?

All companies can use profiling for the right customer that makes them money. An example of a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can state the savings.

That is why you should get quotes from several different companies. It's impossible to know the company that will give you the biggest savings.

More information is available on the website for the Missouri Department of Insurance located here. Missouri consumers can find out industry alerts, read industry bulletins, find disaster information, and view a list of available companies.

Shop smart and save

You just read many ways to save on auto insurance. It's most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the lowest rates come from a small local company. Some small companies often have lower prices on specific markets compared to the large companies like .

Lower-priced auto insurance is attainable online in addition to many Pierce City insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.