Tightwads Tips for Saving on Ravenwood Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. Drivers have so many to buy insurance from, and although it's nice to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months because prices are constantly changing. Even if you got the best deal on your last policy you can probably find a lower rate today. So just block out anything you think you know about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Buying car insurance in Ravenwood is quite easy. If you currently have a car insurance policy, you should be able to save some money using these methods. Missouri drivers only need an understanding of the most effective way to get comparison quotes over the internet.

Ravenwood auto insurance quote

Comprehensive Ravenwood Auto Insurance Comparison

Cutting your Ravenwood auto insurance rates isn't really that difficult. Just take a few minutes comparing price quotes from different insurance companies. This can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate quote forms for each company you want a rate for. Filling out one form gets rate comparisons from many national carriers.
  • A slightly less efficient method to compare rate quotes is spending the time to visit the website for each individual company to complete their respective quote request forms. For examples sake, we'll pretend you want to compare rates from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Ravenwood, click here.
  • The hardest method to get comparison rates is driving to insurance agents' offices. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent. We'll cover that shortly.

It doesn't matter which method you choose, just ensure you are comparing identical information on every quote you get. If you use higher or lower deductibles it will be next to impossible to determine which rate is truly the best in Ravenwood.

Take advantage of discounts

Companies offering auto insurance don't always list every available discount very clearly, so here is a list both the well known and the more hidden ways to save on auto insurance. If you're not getting every credit possible, you're paying more than you need to.

  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Auto/Life Discount - Larger companies have a discount if you purchase life insurance.
  • E-sign - A few companies may give you up to $50 simply for signing over the internet.
  • Homeowners Discount - Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Low Mileage - Fewer annual miles can qualify you for better rates on cars that stay parked.
  • Memberships - Being a member of a qualifying organization could trigger savings on your policy.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don't profit that way.

To see a list of providers who offer auto insurance discounts in Missouri, click this link.

Learn more about Missouri auto insurance

More tips and info about auto insurance is available at the Missouri Department of Insurance website. Visitors are able to read consumer alerts, report car insurance fraud, file complaints about an insurance agent or broker, and get help finding coverage.