Best Way to Find Cheaper St Ann Auto Insurance

Are you intimidated by the crazy number of auto insurance company choices in St Ann? Many other drivers are as well. Drivers have so many choices that it can turn into a big hassle to locate the lowest price.

It's important to price shop coverage every six months because prices are constantly changing. Even if you got the best price two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the only way to eliminate unnecessary coverages and save money.

If you have insurance now or need a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Pricing affordable coverage in St Ann is quite easy. Missouri vehicle owners just need to know the most effective way to buy auto insurance online.

Comprehensive St Ann Auto Insurance Comparison

Most companies such as State Farm, GEICO and Progressive give coverage price quotes on the web. This process doesn't take a lot of time as you just type in the coverages you want as detailed in the form. When the form is submitted, the company's rating system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.

Online price quotes makes it a lot easier to compare rates but the time required to go to multiple sites and complete many quote forms can be a bit repetitive. But it's very important to have as many quotes as possible in order to get the best price on auto insurance.

The easy way to compare rates

A quicker way to lower your rates uses one form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable. As soon as the form is sent, your coverage is rated and you can choose any of the quotes returned. If you find a better price you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and fill out the form. If you currently have coverage, we recommend you copy the limits and deductibles just like they are on your policy. This ensures you will have a rate comparison for similar insurance coverage.

Are you getting all your discounts?

Companies do not list all their discounts in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance. If they aren't giving you every credit possible, you're paying more than you need to.

  • Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Drive Less and Save - Driving fewer miles can earn better rates on cars that stay parked.
  • Memberships - Participating in certain professional organizations could trigger savings on auto insurance.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Early Signing - Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
  • Passive Restraints - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn't make money that way.

To see a list of companies offering auto insurance discounts in St Ann, click this link.

Learn more about Missouri auto insurance

More detailed Missouri auto insurance information can be found at the Missouri Department of Insurance website. Missouri consumers can get help finding coverage, report car insurance fraud, and read consumer alerts.