How to Know You're Throwing Money Away for Auto Insurance in Stewartsville

Sick and tired of not being able to afford each month for car insurance? You are no different than millions of other consumers. Numerous battle for your insurance dollar, so it's not easy to compare every to find the absolute lowest rate

If you have insurance now or are looking for a new policy, you can learn to get lower rates while maximizing coverage. Finding the best rates in Stewartsville is easy if you know what you're doing. Missouri vehicle owners just need to know the tricks to buy auto insurance online.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that many people don't even know exist. Some discounts apply automatically when you quote, but a few need to be specifically requested prior to getting the savings. If they aren't giving you every credit available, you are throwing money away.

  • Accident Free - Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Military Rewards - Having a deployed family member could mean lower rates.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Low Mileage Discounts - Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Passive Restraints - Cars that have air bags can get savings of more than 20%.
  • New Vehicle Savings - Adding a new car to your policy is cheaper compared to insuring an older model.
  • Senior Discount - If you qualify as a senior citizen, you may qualify for reduced rates.
  • Early Signing - Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.

Drivers should understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. So when it seems like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will cut the cost of coverage.

How can Progressive, Allstate and GEICO save drivers who switch?

Missouri drivers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. They all say the same thing that you'll save big if you switch to them.

How do they all say the same thing? It's all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. For example, a driver they prefer might be profiled as over the age of 50, has no tickets, and has excellent credit. A propective insured who fits that profile will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted a higher premium which usually ends up with business not being written. The ads say "customers who switch" not "everybody who quotes" save money. That's why companies can make those claims.

This emphasizes why you should get as many comparisons as possible. It's not possible to predict the company that will have the lowest rates.

Much more information about auto insurance in Missouri can be found on the website for the Missouri Department of Insurance found here. Missouri drivers can read industry bulletins, view a list of available companies, read consumer alerts, and find disaster information.

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And the best car insurance company is...

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

In this article, we covered a lot of information how to reduce auto insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may even find the biggest savings come from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as .