Free Guide to Cutting Costs on Warrensburg Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are a lot of people in Warrensburg just like you who feel imprisoned by their auto insurance policy.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and consumers find it hard to sift through the bull and find the best price available.

It's important to check auto insurance prices at least once a year since insurance rates are constantly changing. Even if you got the lowest price on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to find out the tricks you need to know to buy cheaper auto insurance.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

The following are a partial list of the pieces companies use to determine rates.

Do men or women drive better? - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. Men and women are in accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Extra add-on coverages are wasting money - There are a ton of extra coverages that you can buy if you aren't careful. Insurance for rental car reimbursement, towing coverage and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don't need them eliminate the coverages to reduce your premium.
Drive less and save money - Driving more miles in a year the more you will pay for auto insurance. Most companies price each vehicle's coverage based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
You might want pay the small claims yourself - Car insurance companies in Missouri provide cheaper rates to insureds who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
Better credit means lower rates - Credit history is a huge factor in calculating your auto insurance rates. If your credit is not that good, you could save money insuring your by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, architects and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other occupations such as actors, historians and performers have the lowest average rates.
Liability coverage is cheap - Liability coverage provides coverage if ever a jury decides you are liable for damages from an accident. Liability provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Compare the Market for Auto Insurance in Warrensburg

All major auto insurance companies provide prices for coverage directly from their websites. Getting online quotes is fairly straightforward as you just type in the coverage amounts you desire as detailed in the form. After the form is submitted, their system will obtain your credit score and driving record and provides a quote based on these and other factors. Online quotes makes comparing rates easy, but the work required to visit several different sites and enter the same data into a form is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better auto insurance pricing.

The preferred way to find better auto insurance pricing requires only one form that gets price quotes from more than one company. The form is fast, reduces the work, and makes quoting online much easier. After sending your information, it gets priced and you can select your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you duplicate the limits and deductibles as close as possible to your current policy. This makes sure you will receive rate comparison quotes for the exact same coverage.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you purchase, but less common discounts must be inquired about before being credited.

Senior Discount - If you're over the age of 55, you may be able to get reduced rates.
Driver Safety - Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

A little note about advertised discounts, most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

To choose companies who offer auto insurance discounts in Warrensburg, follow this link.

Are you falling for claims of savings?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to say the same thing about savings after switching to them. How can each company say the same thing? This is how they do it.

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has great credit. A propective insured who fits that profile gets the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher prices which usually ends up with business not being written. Company advertisements say "drivers who switch" not "everybody who quotes" save money. That's the way companies can truthfully advertise the savings.

Because of the profiling, you need to get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional information is located on the website for the Missouri Department of Insurance. Click here for link. Missouri drivers can learn about insurance regulations, discover disciplinary actions, file complaints about an insurance agent or broker, and download brochures.

Shop smart and save

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find for the lowest price.

Cheaper auto insurance can be purchased on the web and with local Warrensburg insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and most of the time these small, regional companies sell through independent agents.