Car Insurance in Wellington - 7 Ways to Save Money

Sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in Missouri.

Consumers have many to buy insurance from, and even though it's nice to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates once or twice a year since rates are constantly changing. Even if you got the best price six months ago a different company probably has better rates today. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Finding affordable coverage in Wellington is quite easy. In a nutshell, every vehicle owner who has to buy car insurance stands a good chance to be able to reduce their rates. Nevertheless, Missouri consumers do need to know how big insurance companies price insurance differently and apply this information to your search.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise every available discount very clearly, so we took the time to find both the well known as well as the least known car insurance savings.

  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance - Larger companies have a discount if you purchase auto and life insurance together.
  • Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Homeowners Pay Less - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with certain companies.

It's important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it doesn't quite work that way.

Wellington car insurance quote

Is there truth in advertising?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads say the same thing of big savings after switching to their company. How does each company claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. For example, a preferred risk might be between 30 and 50, has no tickets, and has a high credit rating. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be charged a more expensive rate which usually ends up with the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently state the savings. That is why drivers should get as many quotes as possible. It's just too difficult to predict the company that will have the lowest rates.

More Missouri car insurance information

More tips and info about car insurance can be found at the Missouri Department of Insurance website. Visitors are able to read consumer alerts, view a list of available companies, view agent and company licensing information, and read enforcement actions against agents and companies.

compare Wellington car insurance rates

Shop smart and save

As you restructure your insurance plan, it's very important that you do not skimp on coverage in order to save money. Too many times, an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Low-cost car insurance can be purchased both online and also from your neighborhood Wellington agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.