Proven Ways to Save on Stanberry Auto Insurance

Expensive auto insurance can drain your bank account and make it impossible to make ends meet. Comparison shopping is a smart way to tighten up your finances.

Online insurance companies like GEICO and Progressive all promote huge savings with ads and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to get comparison quotes yearly since insurance rates are constantly changing. Even if you got the lowest price a couple years back you may be paying too much now. You'll find quite a bit of inaccurate information about auto insurance on the web, but we're going to give you some great ways to slash your auto insurance rates.

Where Can I Get Cheap Stanberry Auto Insurance?

The are a couple different ways to compare rate quotes from local Stanberry auto insurance companies. The recommended way to compare insurance prices consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way consumers can analyze rates is a comparison rater form (click to open form in new window). This method eliminates the need for a different quote to each individual auto insurance company. A single, simple form gets rate comparisons .

A harder way to shop for auto insurance online is spending the time to visit each company website and fill out their own quote form. For instance, let's say you want comparison quotes from , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Stanberry, click here.

Whichever way you use, make sure you use exactly the same information for every quote you compare. If your comparisons have higher or lower deductibles it's impossible to determine the best price in Stanberry. Just a small difference in coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting the best price.

Understand what determines the rate you pay

It's important that you understand some of the elements that help determine auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get big savings.

The following are a partial list of the pieces that factor into your rates.

A clean driving record saves money - Even a single citation may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Big city or small town - Residing in less populated areas has it's advantages when buying auto insurance. Less people living in that area means reduced accidents as well as less vandalism and auto theft. City drivers tend to have congested traffic and longer commute times. Longer commute distances means higher likelihood of an accident.
Proper usage rating affects rates - Driving more miles in a year's time the higher your rates will be. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Don't let your coverage lapse - Allowing your auto insurance policy to lapse will be a quick way to pay more for auto insurance. Not only will rates go up, but not being able to provide proof of insurance might get you a steep fine or even jail time.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, architects and dentists are shown to have the highest average rates because of high stress levels and lots of time spent at work. Other occupations like pilots, historians and performers pay the least.

Policy discounts you shouldn't miss

Car insurance companies don't always publicize every available discount in a way that's easy to find, so we researched some of the best known as well as the least known auto insurance savings.

Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
No Claims - Drivers who don't have accidents pay much less compared to frequent claim filers.
Accident Waiver - A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, auto insurance companies aren't that generous.

For a list of providers who offer auto insurance discounts in Stanberry, follow this link.

Insurance agents can help

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's situation is a little different so your insurance needs to address that. For example, these questions can help discover whether your personal situation could use an agent's help.

Should I buy only the required Missouri minimum liability coverage?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
Why am I be forced to buy a membership to get insurance from some companies?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover me when driving someone else's vehicle?
Who is covered when they drive my vehicle?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Even more information is located at the Missouri Department of Insurance website. Missouri drivers can file complaints about a company, view agent and company licensing information, file complaints about an insurance agent or broker, and find a variety of consumer forms.

The best insurance company isn't always the cheapest

Throughout this article, we presented many ways to lower your auto insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even find the lowest premiums are with some of the lesser-known companies. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like .

As you go through the steps to switch your coverage, it's a bad idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice collision coverage and learned later that the savings was not a smart move. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.