8 Tips to Save on Car Insurance in Raymore

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other drivers in Missouri. Having so many car insurance companies to choose from, it is very difficult to locate the cheapest insurer.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Despite the fact that you may have had the best rates two years ago a different company probably has better rates today. There is a lot of wrong information about car insurance online but we're going to give you some great ways to find cheap car insurance.

Be sure to get all your discounts

Companies that sell car insurance do not list every available discount very well, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you don't get every credit available, you are throwing money away.

  • Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Multi-policy Discount - If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
  • Military Rewards - Being on active duty in the military may qualify for rate reductions.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free car insurance policy, car insurance companies aren't that generous.

Raymore car insurance quote

Is there truth in advertising?

Consumers in Missouri get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. All the ads make an identical promise about savings after switching to them.

But how can every company claim to save you money?

Different companies can use profiling for the type of driver that earns them a profit. A good example of a preferred risk might be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any new insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will be charged higher premiums and ends up with the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save money. That's why companies can truthfully state the savings. That is why drivers should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Even more information can be read at the Missouri Department of Insurance website. Visitors are able to read consumer alerts, view a list of available companies, read enforcement actions against agents and companies, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Raymore agent directory.

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And the best car insurance company is...

When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. Too many times, an insured dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We just covered some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from an unexpected company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .