Car Insurance in St Louis - 7 Discounts You Might be Missing
Tired of being strong-armed each month for car insurance? Your situation is no different than millions of other consumers. There are many to pick from, and even though it's nice to have a choice, it makes it harder to compare rates.
It's important to check car insurance prices once or twice a year since rates are constantly changing. Even if you got the lowest price two years ago you may be paying too much now. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to slash your car insurance rates.
Comprehensive Car Insurance Comparison in St Louis
Most major insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get prices for coverage online. Getting quotes is fairly straightforward as you just type in the amount of coverage you want as detailed in the form. Behind the scenes, the system will obtain reports for credit and driving violations and provides a quote. This makes comparing rates easy, but the work required to visit each company's website and repetitively complete many quote forms can get tiresome after awhile. But it's very important to compare as many rates as possible in order to find better car insurance pricing.
There is a better way!
A less time-consuming method to find cheaper rates is to use a quote form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes price shopping online much easier. As soon as the form is sent, it is rated and you can choose any one of the returned quotes. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.
To find out what other companies charge, click here to open in new window and input your coverage information. If you have coverage now, it's recommended you enter the limits and deductibles as shown on your current policy. This way, you will get comparison quotes based on similar coverages.
These seven discounts can lower your rates
Car insurance companies don't list all their discounts very clearly, so we researched both the well known and the more hidden car insurance savings. If you're not getting every credit available, you're just leaving money on the table.
- Senior Citizens - Older drivers may qualify for reduced rates.
- Military Rewards - Having a deployed family member could mean lower rates.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
- Bundle and Save - When you have multiple policies with one insurance company you will save up to 20% off your total premium.
- Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
- Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Keep in mind that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.
For a list of companies offering car insurance discounts in Michigan, follow this link.
Additional detailed information is located at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to learn about insurance regulations, view a list of available companies, find out industry alerts, and view agent and company licensing information.
Other useful links include this Car Insurance FAQ and this page of insurance agents in St Louis.
Best coverage at the best price
When buying insurance coverage, make sure you don't reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at an affordable rate.
We just covered a lot of tips how to lower your car insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from a company that doesn't do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as .
