Find Low-Cost Valley Park Car Insurance

People who are new to shopping for insurance online can find buying the lowest-priced Valley Park car insurance very challenging.

It's important to shop coverage around occasionally because rates are constantly changing. Even if you got the lowest rates two years ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to find better rates and still maintain coverage.

These discounts can lower your rates

Companies don't necessarily list every available discount very well, so we break down some of the more common and the more hidden ways to save on car insurance. If you don't get every credit you qualify for, you're paying more than you need to.

Early Signing - A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Air Bag Discount - Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Homeowners Savings - Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.

Keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, it just doesn't work that way.

To see a list of providers offering car insurance discounts in Missouri, click this link.

Valley Park Car Insurance Quote Comparison

Most companies allow you to get coverage price quotes online. The process is fairly simple as you simply enter your coverage preferences as detailed in the form. Once you submit the form, their rating system will obtain information on your driving record and credit history and provides a quote based on these and other factors.

This streamlines rate comparisons, but the work required to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

There is a better way!

The preferred way to get multiple rate quotes utilizes a single form that analyzes rates from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much easier. As soon as the form is sent, it is rated and you can choose any or none of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in new window and enter your information. To compare your current rates, we recommend you enter the coverage information as shown on your current policy. This makes sure you are getting rate quotes based on the exact same insurance coverage.

Tips to Get Lower Valley Park Rates

An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.

How's your driving record? - Drivers who don't get tickets receive lower rates than bad drivers. Only having one speeding ticket can bump up the cost twenty percent or more. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
High credit ratings translate to low rates - Your credit score is a large factor in determining your rates. If your credit rating is lower than you'd like, you could pay less to insure your by improving your rating. People with excellent credit tend to be more responsible than those with poor credit.
What type of vehicle do you drive? - The type of car you drive makes a big difference in how high your rates are. The most favorable rates are usually for economy passenger models, but there are many factors that impact the final cost.
Do you need the policy add-ons? - There are many additional coverages you can purchase on your policy. Things like rental car reimbursement, better glass coverage and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so remove them from your policy.

Different people need different coverages

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone's needs are different.

For instance, these questions might point out whether you may require specific advice.

Does my car insurance cover rental cars?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my insurance cover a custom paint job?
Can I rate high risk drivers on liability-only vehicles?
Do I need special endorsements for business use of my vehicle?
When do I need to add a new car to my policy?
Should I rate my vehicle as pleasure use or commute?

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. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Are you falling for claims of savings?

Consumers can't get away from ads for cheaper car insurance from the likes of State Farm and Allstate. All the ads make the same claim that you can save if you switch your coverage to them.

But how can every company make the same claim?

All companies have a certain "appetite" for the type of customer that is profitable for them. For example, a preferred risk could be over the age of 50, owns a home, and chooses high deductibles. A customer who matches those parameters gets the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money which leads to business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save that much money. That is how insurance companies can state the savings. That is why drivers must get a wide range of price quotes. Because you never know which company will give you the biggest savings.

In the end, you save

We just showed you some good ideas how to compare car insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from an unexpected company.

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Affordable car insurance can be found from both online companies as well as from independent agents in Valley Park, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information can be found at the Missouri Department of Insurance website. Consumers can file complaints about a company, find out industry alerts, and learn about specific coverages.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Valley Park Missouri.