Best Way to Find Low-Cost Pilot Knob Car Insurance

Finding lower rates for Pilot Knob car insurance is hard for beginners to shopping for insurance online. People have so many choices that it can easily become a big hassle to locate the lowest price in Pilot Knob.

Don't pay full price with these discounts

Companies don't necessarily list every discount very well, so we researched both the well known as well as the least known discounts you could be receiving. If you don't get every credit available, you're paying more than you need to.

No Claims - Claim-free drivers pay much less when compared to bad drivers.
Driver's Ed - Have your child successfully complete driver's ed class in high school.
Military Discounts - Being deployed with a military unit can result in better rates.
Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
Senior Citizens - Mature drivers can possibly qualify for a discount up to 10%.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.

As a disclaimer on discounts, some credits don't apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To see a list of insurance companies with the best car insurance discounts in Missouri, click here.

Comprehensive Car Insurance Comparison in Pilot Knob

Shopping for lower car insurance rates can be a lot of work if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Pilot Knob, or you could save time and use the internet for quick rates.

Many insurance companies participate in a marketplace that enables customers to submit one quote, and each company returns a competitive quote based on that data. This prevents consumers from doing quotation requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The single downside to comparing rates this way is you are unable to specify which carriers to get quotes from. So if you want to select specific insurance companies to compare, we put together a list of car insurance companies in Missouri. View list of Missouri insurance companies.

Whichever method you choose, double check that you are using apples-to-apples deductibles and coverage limits on every quote you get. If you have different values for each quote it's not possible to determine which rate is truly the best in Pilot Knob.

Understand what determines the rate you pay

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to big savings.

Rates may be lower depending on your job - Careers like judges, social workers and stock brokers are shown to have the highest rates because of high stress levels and lots of time spent at work. On the other hand, jobs such as farmers, students and the unemployed pay the least.
More claims means more premium - If you are a frequent claim filer, you can definitely plan on higher rates. Companies in Missouri generally give discounts to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
Safer cars are cheaper to insure - Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Bad driving skills means higher rates - A bad driving record has a big impact on rates. Drivers with clean records have lower premiums than people who have multiple driving citations. Even a single moving violation may increase your cost by twenty percent. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. They both cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like DUI and reckless driving.
Mature drivers pay less - Youthful drivers in Missouri tend to be careless and easily distracted in a vehicle so car insurance rates are higher. Mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
Having a spouse can save you money - Having a wife or husband actually saves money on car insurance. Having a significant other usually means you are more responsible and it's proven that drivers who are married are more cautious.

The car insurance bait and switch

Consumers in Missouri can't get away from ads for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim about savings if you move your policy.

But how can every company claim to save you money?

All the different companies can use profiling for the right customer that is profitable for them. For instance, a driver they prefer might be a mature driver, has no tickets, and has excellent credit. Any driver that hits that "sweet spot" will get very good rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a higher premium and this can result in the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully make those claims. This emphasizes why drivers must compare many company's rates. You cannot predict the company that will have the lowest rates.

A tidy conclusion

Drivers who switch companies do it for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, unfair underwriting practices or poor customer service. Regardless of your reason, choosing a new insurance company is actually quite simple.

We just presented a lot of ways to compare car insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on car insurance is with the least-expected company.

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage and learned later they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

More Missouri car insurance information

Even more information is located at the Missouri Department of Insurance website. Visitors are able to read industry bulletins, download brochures, and find disaster information.

Additional helpful sites include this online resource for car insurance quotes in Missouri and this list of insurance agents in Pilot Knob.