Tightwads Guide for Saving on Savannah Auto Insurance

Nobody looks forward to paying for auto insurance, especially knowing their premiums are too high. Companies like State Farm, Allstate, GEICO and Progressive all claim big savings with TV and radio ads and it is difficult to sift through the bull and find the best price available.

It's important to compare prices occasionally since insurance rates are constantly changing. If you had the lowest price on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the fastest and easiest way to eliminate unnecessary coverages and save money.

Finding Auto Insurance in Savannah, MO

Most companies allow you to get coverage prices directly from their websites. Getting online quotes is quite simple as you just type in your coverage preferences as detailed in the form. When the form is submitted, their system will obtain reports for credit and driving violations and returns a price based on many factors. Online quotes helps simplify price comparisons, but having to visit multiple sites and enter the same data into a form can be a bit repetitive. But it's very important to get many rate quotes in order to find the best price on auto insurance.

There is a better way!

A quicker way to get multiple rate quotes requires only one form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. After sending your information, it is rated and you are able to buy your choice of the quotes returned.

If you find a better price it's easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To quickly find out if lower rates are available, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you duplicate the coverage information as shown on your current policy. This ensures you will have a rate comparison for similar insurance coverage.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be inquired about before you will receive the discount. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Accident Forgiveness - A handful of 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 one insurance company you may earn 10% to 20% off each policy.
  • No Accidents - Good drivers with no accidents pay much less as compared to bad drivers.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you may reduce your total bill.

Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will reduce the cost of coverage.

To see a list of companies with the best auto insurance discounts in Savannah, click this link.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions might point out whether you would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my vehicle is worth?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

More information is located on the website for the Missouri Department of Insurance found here. Missouri drivers can learn about insurance regulations, read consumer alerts, read industry bulletins, and download brochures.