Getting Low-Cost Urich Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you are not the only one feeling buyer's remorse.

Having so many auto insurance companies to choose from, it's nearly impossible to find the lowest price provider.

It's important to price shop coverage every six months since insurance rates are constantly changing. If you had the best deal six months ago you can probably find a better price now. So block out anything you think you know about auto insurance because it's time to teach you the only way to lower your annual insurance bill.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

With age comes lower rates - Teenage drivers in Missouri tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Liability coverage protects you - The liability section of your policy provides coverage if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Special features that cut premiums - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Do you qualify for a multi-policy discount? - The majority of companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by insuring with multiple companies.
Rates may be lower depending on your job - Jobs such as doctors, architects and stock brokers are shown to have the highest rates because of high stress levels and lengthy work days. On the other hand, occupations like actors, students and the unemployed pay the least.
Your spouse saves you money - Being married actually saves money when buying auto insurance. It usually means you are more responsible and it's proven that being married results in fewer claims.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

Senior Discount - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Organization Discounts - Affiliation with a professional or civic organization could qualify you for a break on auto insurance.
Military Discounts - Having a deployed family member can result in better rates.
Bundle and Save - If you insure your home and vehicles with one company you may save up to 20% off your total premium.
No Claims - Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

To choose companies with the best auto insurance discounts in Missouri, follow this link.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to say the same thing about savings if you move your policy. But how can every company say the same thing?

All companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured might be profiled as over the age of 50, has no driving citations, and has a high credit rating. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will have to pay a higher premium which usually ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully state the savings.

Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which auto insurance company will have the lowest rates.

Additional information is available on the website for the Missouri Department of Insurance located here. Missouri drivers can read enforcement actions against agents and companies, find out which companies have the most complaints, view a list of available companies, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Urich.

Final considerations

As you restructure your insurance plan, do not buy poor coverage just to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at a price you can afford.

Cheap auto insurance is possible on the web in addition to many Urich insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.