Free Guide to Saving Money on Troy Car Insurance Online

Having to pay for overpriced car insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill. Numerous battle for your insurance dollar, and because of this it can be hard to compare to discover the definitive lowest rate

It's important to compare rates on a regular basis because rates are constantly changing. Even if you got the lowest price six months ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.

If you have insurance now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Buying car insurance in Troy is quite easy. Missouri drivers only need an understanding of the proper methods to get comparison rates online.

You have some control over your rates

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. Understanding what determines base rates enables informed choices that can help you get big savings.

How's your driving record? - Careful drivers get better rates than bad drivers. Even one citation can boost insurance rates by as much as thirty percent. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to continue driving.
Battle of the sexes - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that men are worse drivers. They both tend to get into accidents in similar numbers, but men cause more damage. Men also receive more costly citations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high car insurance rates.
Do you qualify for a multi-policy discount? - Most insurers give discounts to policyholders who carry more than one policy. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it's still a good idea to comparison shop to ensure the best deal.
Don't buy coverages you don't need - There are many add-on coverages you can purchase on your policy. Coverages like roadside assistance, better glass coverage and term life insurance may be costing you every month. They may seem good initially, but if they're wasting money get rid of them and save.
Where you live is a factor - Residing in less populated areas has it's advantages when it comes to car insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with congested traffic and a longer drive to work. More time on the road means more change of being in an accident.
Your job and insurance rates - Did you know your job can affect your rates? Occupations like judges, business owners and accountants tend to have higher rates than average due to job stress and lots of time spent at work. On the flip side, professions such as pilots, athletes and homemakers receive lower rates.

Car Insurance Prices in Troy, Missouri

Reducing your insurance rates can be relatively painless. You just have to spend a little time comparing rates from different insurance companies. This is very easy and can be done in several different ways.

The fastest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing boring form submissions to each individual car insurance company. One form submission compares rates from all major companies.
Another way to get quotes online is going to each company website and fill out their own quote form. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Troy, click here.

It's your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for each comparison quote. If you have different liability limits you can't possibly determine the lowest rate in Troy.

Save big with these discounts

Car insurance can cost a lot, but there could be available discounts that many people don't even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be requested specifically before being credited. If they aren't giving you every credit you deserve, you are paying more than you should be.

Good Student Discount - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Accident Waiver - A few companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Defensive Driver - Taking part in a driver safety course could cut 5% off your bill if your company offers it.
Multi-policy Discount - If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
No Accidents - Drivers who don't have accidents pay much less compared to accident-prone drivers.
Multi-car Discount - Insuring more than one vehicle with the same company can get a discount on all vehicles.
Service Members Pay Less - Being on active duty in the military could mean lower rates.

Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will cut your overall premium however.

To choose providers offering car insurance discounts in Troy, click here to view.

Car insurance ads bend the truth

Consumers can't ignore all the ads for car insurance savings by State Farm and Allstate. All the ads make an identical promise of big savings if you switch to their company.

How do they all make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the driver that makes them money. For instance, a preferred risk could be between 30 and 50, insures multiple vehicles, and has a high credit rating. A customer who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will be charged higher prices and ends up with business going elsewhere. The ads say "customers who switch" not "people who quote" save that much. This is how insurance companies can confidently state the savings.

That is why you need to compare many company's rates. Because you never know which insurance companies will have the lowest rates.

Additional car insurance information is located on the website for the Missouri Department of Insurance found here. Consumers can file complaints about a company, learn about insurance regulations, read consumer alerts, and discover disciplinary actions.

In the end, you save

We just showed you many tips how you can compare car insurance prices online. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. Consumers may even find the best prices are with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like .

Cost effective car insurance can be found from both online companies and also from your neighborhood Troy agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many cases where drivers have reduced liability coverage limits only to discover later that they should have had better coverage. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.