Proven Ways to Save on Seneca Car Insurance

No one in their right mind cherishes buying car insurance, particularly when they are paying too much.

You have so many to buy insurance from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around periodically due to the fact that insurance rates are constantly changing. If you had the best rates a few years ago a different company probably has better rates today. There is a lot of bad information regarding car insurance on the web, but we're going to give you some great ways to find cheap car insurance.

Take advantage of discounts

Companies offering auto insurance don't always advertise every available discount very clearly, so the following is a list of both the well known as well as the least known savings tricks you should be using.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
E-sign - A few companies may give you up to $50 for buying your policy over the internet.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Low Mileage - Keeping the miles down could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

Tips to Get Lower Seneca Rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

High credit ratings translate to low rates - Your credit rating is a important factor in determining your rates. People with high credit ratings tend to be more responsible than drivers with lower credit ratings. So if your credit score can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
Your car's features help determine rates - Owning a car with an alarm system can get you a discount on your car insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft.
Sex matters - Statistics show that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. Both sexes tend to get into accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like DUI and reckless driving.
Safe vehicles cost less to insure - Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates.

How to know if you need help

When it comes to buying coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation might need professional guidance.

Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Is my nanny covered when driving my vehicle?

If you're not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads make an identical promise about savings if you move your coverage to them. How does each company claim to save you money?

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a preferred risk might be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be charged higher prices and ends up with the customer not buying. The ad wording is "customers that switch" not "people who quote" save that much money. That is how companies can truthfully advertise the way they do. That is why drivers should get as many quotes as possible. You cannot predict which company will provide you with the cheapest rates.

Additional Missouri consumer information

Even more information can be read at the Missouri Department of Insurance website. Visitors are able to find out industry alerts, view a list of available companies, learn about insurance regulations, and find disaster information.

The best insurance company isn't always the cheapest

When shopping online for car insurance, never skimp on coverage in order to save money. Too many times, someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We just presented some good ideas how you can reduce car insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than their larger competitors like .