Easy Methods to Cut Costs on Slater Auto Insurance

Shopping for the most affordable Slater auto insurance on the web may be somewhat difficult for consumers not familiar with comparison shopping online. With so many choices of online companies, how can consumers even start to compare every company to locate the cheapest available price?

Finding the cheapest auto insurance in Slater is not that difficult. In a nutshell, anyone who is required by state law to have auto insurance should be able to reduce their rates. But Missouri vehicle owners do need to know how big insurance companies market insurance on the web and use this information to your advantage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Knowing what controls the rates you pay enables informed choices that could result in big savings.

Add-on coverages can add up - There are quite a few add-on coverages that you can get tricked into buying if you aren't careful. Coverages for vanishing deductibles, accidental death and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they're wasting money eliminate them to save money.
Rate your vehicle for proper use - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle.
Being married can save on auto insurance - Having a spouse helps lower the price on your auto insurance policy. Having a spouse means you're more mature than a single person and it's proven that married drivers get in fewer accidents.
Traffic citations inflate rates - Only having one moving violation can boost insurance rates forty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
Men are more aggressive - Statistics have proven that women are safer drivers than men. Now that doesn't mean men are worse drivers. They both have accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations like reckless driving and DUI.

Compare Auto Insurance Today

The are a couple different ways of comparing rate quotes from local Slater auto insurance companies. One of the best ways to find the lowest rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form prevents you from having to do multiple quote forms to each individual auto insurance company. A single, simple form will get you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
A less efficient way to shop for auto insurance online requires a visit to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we'll pretend you want comparison quotes from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in Slater, click here.
The hardest way of getting rate comparisons is to spend time driving to and from local Slater insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the personal advice only provided by licensed Slater agents. Drivers can find lower rates online but buy from a local insurance agent and we'll touch on that later.

It doesn't matter which method you choose, just make sure you use identical coverage limits on every quote you get. If each company quotes differing limits it's not possible to determine which rate is truly the best in Slater. Having just a slight variation in insurance coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes helps locate better pricing.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specially asked for before you get the savings.

Safety Course Discount - Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
Auto/Life Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
Own a Home - Owning a home in Slater may earn you a small savings because maintaining a house is proof that your finances are in order.
Pay Now and Pay Less - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Paperless Signup - A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
Good Student Discount - This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Senior Discount - If you're over the age of 55, you may receive better auto insurance rates.
Organization Discounts - Affiliation with a qualifying organization could trigger savings when buying auto insurance.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way. But all discounts will bring down the amount you have to pay.

To choose insurers with discount auto insurance rates in Missouri, click this link.

Save $429 a year? Really?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies make the same claim that you'll save big if you change to their company. How does each company say the same thing?

All the different companies have a preferred profile for the driver that makes them money. For example, a profitable customer might be profiled as between 30 and 50, has no prior claims, and chooses high deductibles. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards must pay a higher premium which leads to business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. This is how companies can state the savings.

This illustrates why you need to get as many quotes as possible. It's not possible to predict which insurance companies will give you the biggest savings.

Insurance agents can help

When buying adequate coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether your personal situation might need professional guidance.

Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?
Does my policy cover my teen driver if they drive my company car?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?
Should I have combined single limit or split liability limits?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Much more information about auto insurance in Missouri can be found on the Missouri Department of Insurance website located here. Missouri drivers can discover disciplinary actions, file complaints about an insurance agent or broker, and get help finding coverage.

Do the work, save more money

Discount auto insurance is attainable on the web and also from your neighborhood Slater agents, so compare prices from both to have the best selection. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, delays in paying claims, an unsatisfactory settlement offer or even questionable increases in premium. No matter why you want to switch, choosing a new insurance company is easier than you think.