Car Insurance in Raytown - 8 Discounts to Save Money

Expensive car insurance can empty your checking account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

Because there are so many companies to choose from, it can be challenging to pick the most affordable insurer.

It's important to do rate comparisons on a regular basis since rates are constantly changing. Even if you got the lowest price two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

How to Lower Your Car Insurance Cost in Raytown, Missouri

There are several ways to compare rate quotes from local Raytown car insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done in several different ways.

  • The recommended way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for multiple quote forms for each company. One form submission gets rate comparisons from multiple low-cost companies.
  • A different way to compare rate quotes is spending the time to visit each individual company website and request a quote. For instance, we'll pretend you want comparison quotes from , and . You would have to go to every website and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Raytown, click here.

It's your choice how you get your quotes, but ensure you are comparing apples-to-apples information with every price quote. If you are comparing higher or lower deductibles then you won't be able to find the best deal in Raytown. Quoting even small variations in limits can mean a large discrepancy in price. Just remember that more quotes provides better odds of finding the best price.

Take advantage of discounts

Companies offering auto insurance don't always advertise all their discounts very well, so we researched some of the more common and also the lesser-known savings tricks you should be using.

  • Sign Online - Some insurance companies will give a small break just for signing your application online.
  • Accident Waiver - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Bundle and Save - When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Accident Free - Drivers who don't have accidents pay much less as compared to bad drivers.
  • Early Switch Discount - Some companies give discounts for switching to them before your current expiration date. It's a savings of about 10%.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.

It's important to note that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you're out of luck.

To see a list of companies who offer car insurance discounts in Missouri, click here to view.

Additional detailed information is located at the Missouri Department of Insurance website. Consumers can get help finding coverage, view agent and company licensing information, find out industry alerts, and read consumer alerts.

Additional helpful sites include this site for Missouri car insurance information and see this list of insurance agents in Raytown.