Top 7 Ways to Save Money on Car Insurance in St Charles

Having to pay for overpriced car insurance can take a big chunk out of your personal savings and force you to make sacrifices. Comparing price quotes is free and is an excellent way to cut your insurance bill.

Since consumers have many online and local companies to choose from, it's difficult to pick the lowest price car insurance company.

It's important to check car insurance prices on a regular basis since rates are constantly changing. Even if you think you had the best rates on your last policy the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to save money.

Choosing the best insurance company for you in St Charles is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Nevertheless, Missouri consumers do need to know how companies market insurance on the web.

Don't pay full price with these seven discounts

Companies don't list all their discounts very well, so the following is a list of both the well known and also the lesser-known ways to save on car insurance.

  • College Student - Any of your kids living away from home attending college and don't have a car may be able to be covered for less.
  • Sign Online - A few companies may give you up to $50 simply for signing online.
  • Safety Course Discount - Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
  • Passive Restraints - Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you can actually save on your bill.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

To see a list of companies with discount car insurance rates in Missouri, click this link.

St Charles car insurance comparison

Car Insurance Prices in St Charles, Missouri

There are multiple methods to compare car insurance quotes, but there is one way that is more efficient than others. You can waste a lot of time talking about coverages with insurance companies in St Charles, or you could use online quoting to get the quickest rates.

Many insurance companies participate in an industry program that enables customers to only type in their quote data once, and at least one company then gives them pricing for coverage. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify which carriers to receive prices from. So if you want to choose from a list of companies to compare rates, we have a listing of companies who write car insurance in Missouri. Click here to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples coverage limits for each comparison quote. If you use differing limits you can't possibly determine the lowest rate in St Charles. Having just a slight variation in coverage limits can make a big difference in price. Just remember that quoting more provides better odds of finding better pricing.

The car insurance bait and switch

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all seem to make the same claim of big savings if you change to them. But how can every company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured might be between 25 and 40, insures multiple vehicles, and has great credit. Any new insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices which leads to the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save money. This is how insurance companies can confidently advertise the savings. Because of the profiling, drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Affordable insurance is out there

When you buy insurance online, do not reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at the best price.

Cost effective car insurance is attainable both online and with local St Charles insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We just covered many ideas to compare car insurance prices online. It's most important to understand that the more times you quote, the better chance you'll have of finding lower rates. Consumers may even find the most savings is with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as .

For more Missouri car insurance information

More tips and info about car insurance can be read at the Missouri Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, discover disciplinary actions, and find out industry alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in St Charles.