8 Best Tips to Slash Car Insurance Costs in St Robert, MO

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are many St Robert consumers feeling the pinch from expensive car insurance.

With so many choices, it's nearly impossible to choose the most cost effective car insurance company.

Buying car insurance in St Robert is not that difficult. Basically, every driver who carries car insurance stands a good chance to be able to save money. Although Missouri consumers do need to know how insurance companies sell online and apply this information to your search.

compare St Robert car insurance rates

Save big with these eight discounts

Car insurance companies don't always publicize every discount very well, so we took the time to find both the well known and the more hidden car insurance savings.

  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Club Memberships - Being a member of a professional or civic organization could qualify you for a break when shopping for car insurance.
  • Multiple Cars - Insuring all your vehicles on one policy could earn a price break for each car.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Paperwork-free - Certain companies may give you up to $50 for buying your policy online.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies with discount car insurance rates in Missouri, follow this link.

How to Compare Car Insurance Quotes in St Robert, Missouri

There are several ways to get quotes from car insurance companies in your area. The recommended way to find the cheapest insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method eliminates the need for repetitive form entry for every car insurance company. Filling out one form gets you price quotes direct from many companies.

A more time consuming way to get quotes online requires a trip to the website of each company to complete their respective quote request forms. For example, let's say you want to compare rates from , and . To get rate quotes you would need to visit each site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in St Robert, click here.

The least efficient method of getting rate comparisons is to drive around to insurance agents' offices. Buying insurance online makes this process obsolete unless you prefer the trained guidance of a local St Robert agent. You can, however, compare online quotes and still use a local agent and we'll cover that in a bit.

Which method you use is up to you, but ensure you are comparing apples-to-apples quote information on every quote you get. If you compare mixed coverages it will be impossible to determine which rate is truly the best in St Robert. Just a small difference in coverages may result in a large different in cost. Just remember that getting more free quotes provides better odds of finding a better price.

The best insurance company isn't always the cheapest

The cheapest car insurance can be sourced both online and also from your neighborhood St Robert agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online quoting and these regional insurance providers work with independent agents.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.