Free Guide to Saving Money on Vandalia Auto Insurance Online

Scraping up a payment for overpriced auto insurance can take a big chunk out of your personal savings and put the squeeze on your family's finances. Doing a price comparison is a smart way to slash your bill and have more diposable income.

With consumers having so many choices, it's difficult to locate the most cost effective company.

It's important to do rate comparisons quite often because prices are constantly changing. Just because you found the best price a few years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because you're about to learn the quickest way to buy cheaper auto insurance.

Buying car insurance in Vandalia is easy if you know what you're doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. But Missouri drivers do need to know the way insurance companies sell online and apply this information to your search.

Save big with these discounts

Companies don't necessarily list all their discounts very well, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.

  • Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Save over 55 - If you qualify as a senior citizen, you may receive reduced rates.
  • Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Bundle and Save - If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Accident Free - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Accident Waiver - Some insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.

Consumers should know that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies don't profit that way.

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured's situation is different and a cookie cutter policy won't apply. These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance ads bend the truth

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to say the same thing that you'll save big if you change to them. But how can every company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the type of driver that earns them a profit. For example, a desirable insured could possibly be a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save money. This is how companies can advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

More detailed Missouri auto insurance information can be found at the Missouri Department of Insurance website. Missouri consumers can get help finding coverage, read enforcement actions against agents and companies, report car insurance fraud, and read consumer alerts.

Also read more on this site for Missouri auto insurance information and see this list of insurance agents in Vandalia.

Vandalia auto insurance comparison

Shop smart and save

Discount auto insurance can be sourced online and with local Vandalia insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest price.