Easy Techniques to Cut Costs on Unionville Car Insurance

Consumers who are new to the process of shopping for insurance online could find buying cut-rate Unionville car insurance is not as easy as it seems.

Finding affordable coverage in Unionville is easy if you know what you're doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Missouri vehicle owners just need to know the most efficient way to compare prices online.

Vehicle Insurance Comparison

There are several ways to shop for car insurance, but some are less labor-intensive and much quicker. You could spend your day talking about coverages with insurance companies in Unionville, or you can stay home and use online quotes to get the quickest rates.

All the larger companies belong to a marketplace that allows shoppers to submit their information once, and each participating company provides a quote based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to doing it this way is you can't choose which companies to get pricing from. So if you prefer to choose specific insurance companies to compare prices, we have a page of the cheapest car insurance companies in Missouri. View list of Missouri insurance companies.

It's up to you how you get prices quotes, just be sure to compare apples-to-apples deductibles and coverage limits for each price quote. If each company quotes different values for each quote it will be very difficult to truly determine the lowest rate in Unionville.

How to Lower your Car Insurance Rates

It's important that you understand the rating factors that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The list below includes some of the items used by your company to calculate premiums.

Little extras can really add up - There are a lot of additional coverages that you can get tricked into buying on your policy. Things like vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so remove them from your policy.
Do you know you're credit rating? - A driver's credit rating is a huge factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings. If your credit rating can use some improvement, you could be paying less to insure your by improving your rating.
Theft deterrents lower rates - Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent your vehicle from being stolen.
How's your driving record? - Drivers who don't get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one ticket can bump up the cost twenty percent or more. Drivers with severe tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.

How much can you save with discounts?

Car insurance companies don't necessarily list all available discounts very well, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance. If you don't get every credit you qualify for, you're just leaving money on the table.

Defensive Driving Course - Taking part in a driver safety course can save you 5% or more depending on where you live.
Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
Lower Rates for Military - Having a family member in the military can result in better rates.
Braking Control Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
Auto/Home Discount - When you have multiple policies with one company you may earn approximately 10% to 15%.
Sign Early and Save - Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
Driver's Ed - Require your teen driver to enroll in driver's education in high school.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way.

For a list of insurers with the best car insurance discounts in Missouri, click this link.

How much car insurance do I need?

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Everyone's situation is unique.

For example, these questions may help highlight if your insurance needs might need an agent's assistance.

Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Am I covered when pulling a rental trailer?
Does my insurance cover a custom paint job?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and may give you better protection.

More detailed Missouri car insurance information can be read at the Missouri Department of Insurance website. Consumers can discover disciplinary actions, find out industry alerts, and view a list of available companies.

Other useful links include this resource for Missouri car insurance prices and this link which helps you find a Unionville agent.

And the best car insurance company is...

Discount car insurance is possible from both online companies as well as from independent agents in Unionville, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just showed you some good ideas how to lower your car insurance rates. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest rates come from a smaller regional carrier.

Insureds who switch companies do it for any number of reasons including questionable increases in premium, poor customer service, unfair underwriting practices and policy cancellation. It doesn't matter what your reason, switching car insurance companies is not as hard as you think.