9 Discounts St Clair Consumers Forget when Comparing Car Insurance

Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than many other Missouri drivers.

Drivers have so many to pick from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

Finding affordable coverage in St Clair is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Although Missouri car owners do need to know the way companies determine prices.

Be sure to get all your discounts

Companies that sell car insurance don't list every discount very clearly, so the following is a list of some of the more common and also the lesser-known car insurance savings.

Claim Free - Claim-free drivers pay less when compared to drivers who are more careless.
Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
Multiple Policy Discount - If you have multiple policies with one company you will save at least 10% off all policies.
Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Clubs and Organizations - Belonging to a qualifying organization could qualify you for a break when shopping for car insurance.
Lower Rates for Military - Having a deployed family member can result in better rates.
One Accident Forgiven - Certain companies allow you one accident before your rates go up if your claims history is clear for a set time period.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing about savings if you move your coverage to them. How does each company make the same claim? It's all in the numbers.

Insurance companies can use profiling for the type of customer that earns them a profit. A good example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted a higher premium which usually ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully make the claims of big savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict the company that will fit your personal profile best.

More Missouri car insurance information

Even more information can be read at the Missouri Department of Insurance website. Consumers can read industry bulletins, download brochures, view a list of available companies, and view agent and company licensing information.

Also read more on this online resource for car insurance quotes in Missouri and this list of insurance agents in St Clair.

The best insurance company isn't always the cheapest

As you shop your coverage around, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

The cheapest car insurance is possible from both online companies as well as from independent agents in St Clair, and you should compare price quotes from both to have the best selection. Some insurance providers don't offer you the ability to get quotes online and these small insurance companies work with independent agents.