Free Guide to Spending Less for Stella Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you're not alone.

Insurance companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates at least once a year because insurance rates are constantly changing. Just because you found the best deal six months ago there is a good chance you can find better rates now. So block out anything you think you know about auto insurance because you're about to learn the only way to reduce your cost while increasing coverage.

Stella Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that can help you get lower auto insurance prices.

  • Traffic violations increase rates - Your driving record has a huge affect on how much you pay. Even a single speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Do you need the policy add-ons? - There are a ton of extra coverages you can purchase on your auto insurance policy. Insurance for personal injury protection, better glass coverage and term life insurance are examples of these. These coverages may sound good initially, but if they're wasting money eliminate the coverages to reduce your premium.
  • Your spouse saves you money - Being married can get you a discount when buying auto insurance. Marriage means you're more mature and statistics show being married results in fewer claims.
  • Special features that cut premiums - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Teen drivers pay high rates - Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers are known to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations like doctors, architects and dentists tend to have the highest average rates due to high stress and lengthy work days. Other jobs such as actors, historians and performers receive lower rates.
  • Adjust deductibles and save - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be collision with another vehicle, damage caused by hail, and burglary. Your deductibles are the amount of money you are required to spend before your auto insurance pays a claim. The more money you are required to pay out-of-pocket, the less your auto insurance will be.

Missouri auto insurance

How to Compare Stella Auto Insurance Costs

Effectively comparing auto insurance prices can take hours if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in Stella, or you could use the internet to get rates in a matter of minutes.

Most of the larger companies enroll in a system that enables customers to submit one quote, and each company can provide price quotes. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only drawback to comparing rates this way is that consumers can't choose which providers you will receive quotes from. So if you want to select specific providers to request quotes from, we have assembled a list of companies who write auto insurance in Missouri. Click to view list.

It doesn't matter which method you choose, just compare exactly the same quote information on every quote you get. If you compare mixed coverages you can't possibly determine which rate is truly the best in Stella. Just a small difference in limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes will increase your chances of finding the best offered rates.

Don't pay full price with these discounts

Car insurance can cost a lot, but you can get discounts that you may not know about. A few discounts will automatically apply when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Low Mileage - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Homeowners Discount - Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
  • Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.

It's important to note that most credits do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you're out of luck. But any discount will reduce your premiums.

To choose providers who offer auto insurance discounts in Stella, follow this link.

The auto insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads say the same thing that you can save after switching to their company. How can each company make almost identical claims? It's all in the numbers.

All companies are able to cherry pick for the driver that makes them money. An example of a preferred risk could possibly be between 30 and 50, has no tickets, and has a high credit rating. A driver who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "everyone that quotes" save that much. That's the way insurance companies can state the savings.

That is why you need to get as many quotes as possible. It is impossible to predict which auto insurance company will have the lowest rates.

More information is available on the website for the Missouri Department of Insurance found here. Missouri consumers can file complaints about a company, discover disciplinary actions, get help finding coverage, and view a list of available companies.

auto insurance in Stella

The best insurance company isn't always the cheapest

In this article, we presented a lot of tips how to compare auto insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a small mutual company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as .

Lower-priced auto insurance can be sourced online and also from your neighborhood Stella agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.