Tightwads Tips for Saving on Weaubleau Auto Insurance

Paying for high-priced auto insurance can dwindle your savings account and make it hard to pay other bills. Comparison shopping is a smart way to tighten up your finances. There are many to buy insurance from, and although it's nice to have multiple companies, it makes it harder to compare rates.

It's important to check auto insurance prices on a regular basis because prices are constantly changing. Even if you got the best price a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to reduce your cost while improving coverage.

These discounts can lower your rates

Companies that sell car insurance don't list every available discount very clearly, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you're not getting every credit you deserve, you are throwing money away.

  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Accident Waiver - Certain companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Save over 55 - If you qualify as a senior citizen, you may qualify for reduced rates.
  • Own a Home - Being a homeowner may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Good Student Discount - Performing well in school can save 20 to 25%. This discount can apply until age 25.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky.

Weaubleau auto insurance quote

Are you falling for claims of savings?

Missouri consumers get pounded daily by advertisements for car insurance savings by companies like Allstate and Progressive. All the ads say the same thing about savings if you switch to them.

How does each company make almost identical claims?

Different companies have a preferred profile for the type of driver that earns them a profit. For example, a preferred risk could possibly be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be charged more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the way they do. That is why you should get quotes from several different companies. It's impossible to know which insurance companies will provide you with the cheapest rates.

Even more information can be found at the Missouri Department of Insurance website. Missouri consumers can read consumer alerts, learn about insurance regulations, read enforcement actions against agents and companies, and file complaints about a company.

A tidy conclusion

When shopping online for auto insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Cheaper auto insurance can be found online and with local Weaubleau insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

You just read a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .