Tightwads Guide for Saving on Platte City Auto Insurance
Are you sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as many other drivers in Missouri.
Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and consumers find it hard to sift through the bull and do the work needed to find the best deal.
More discounts equal less premium
Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but less common discounts must be manually applied prior to receiving the credit.
- Service Members Pay Less - Having a family member in the military can result in better rates.
- No Accidents - Claim-free drivers pay much less when compared with frequent claim filers.
- Drivers Ed for Students - Require your teen driver to enroll in driver's education in high school.
- Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Paperless Signup - A few companies give back up to $50 just for signing your application digitally online.
It's important to note that most discount credits are not given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you're out of luck. But any discount will reduce your premiums.
For a list of insurers with the best auto insurance discounts in Platte City, click this link.
How to Compare Platte City Auto Insurance Rates
Most major insurance companies allow you to get prices on their websites. Getting online quotes is quite easy as you just enter into the quote form. Once entered, their system will obtain your credit score and driving record and returns pricing information based on these and other factors. Online quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to have as many quotes as possible in order to find a lower rate.
There is a better way!
A more efficient way to lower your auto insurance bill requires only one form that gets prices from multiple companies. It's a real time-saver, reduces the work, and makes online price comparison much more efficient. After sending the form, it is rated and you are able to buy your choice of the quotes that you receive.
If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and could lower your rates considerably.
To quickly find out how much you're overpaying now, click here and submit your coverage information. If you have coverage now, it's recommended you input the coverage information exactly as shown on your declarations page. This helps ensure you're receiving a fair comparison based on identical coverages.
Final considerations
Lower-priced auto insurance is possible on the web and also from your neighborhood Platte City agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
As you shop your coverage around, it's not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.
