Tightwads Instructions on Saving on Purdy Auto Insurance

No one likes paying for auto insurance, particularly when the cost is way too high. Lots of contend for your business, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to compare prices occasionally because prices are constantly changing. Just because you found the best price last year a different company probably has better rates today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

More discounts equal less premium

Companies offering auto insurance don't always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are throwing money away.

Accident Forgiveness - A few companies permit an accident before your rates go up as long as you don't have any claims for a certain period of time.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
Sign Online - Some insurance companies may give you up to $50 for buying your policy on their website.
Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
Air Bag Discount - Factory air bags or motorized seat belts can get savings of 20% or more.
No Accidents - Good drivers with no accidents can save substantially as compared to drivers who are more careless.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the rating factors that help determine the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

Women pay lower rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women cause accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
Bundling policies can get discounts - Many auto insurance companies will give a discount to insureds who buy several policies from them. It's known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount you may still want to compare other company rates to ensure the best deal.
Discounts for married couples - Having a spouse can get you a discount on your auto insurance policy. It means you're more responsible and it's statistically proven that married couples file fewer claims.
Extra coverages can waste money - There are a ton of additional coverages that you can buy when buying auto insurance. Coverages like personal injury protection, towing coverage and term life insurance may be wasting your money. These may sound like a good investment at first, but if they're wasting money get rid of them and save.

It's not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that might point out if you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Does my personal policy cover me when driving my company car?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?
Can I rate high risk drivers on liability-only vehicles?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Switch companies and save? Really?

Consumers in Missouri get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to make the same claim about savings after switching to their company.

How do they all claim to save you money?

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured might be a mature driver, owns a home, and has great credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will have to pay more money which leads to the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the savings. Because of the profiling, drivers should get a wide range of price quotes. It's impossible to know which company will give you the biggest savings.

Even more information can be found at the Missouri Department of Insurance website. Visitors are able to learn about insurance regulations, read consumer alerts, get help finding coverage, and discover disciplinary actions.

In the end, you save

Cheaper auto insurance can be sourced both online and also from your neighborhood Purdy agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many cases, an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate.

We covered some good ideas how to reduce auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .