7 Best Ways to Reduce Car Insurance Costs in Wellsville

Paying for high-priced car insurance can dwindle your checking account and put the squeeze on your family's finances. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

Low Cost Wellsville Car Insurance

There are several ways to compare rate quotes from local Wellsville car insurance companies. One of the best ways to find the lowest rates is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method saves time by eliminating repetitive form entry to each individual car insurance company. One form gets you price quotes direct from many companies.
A different way to get quotes online requires a trip to the website for every company you want to comare to complete a price quote. For instance, we'll pretend you want comparison quotes from , and . To find out each rate you need to go to every website to input your insurance information, and that's why the first method is more popular.

To view a list of companies in Wellsville, click here.
The least efficient way of getting rate comparisons to different Wellsville agent offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance only provided by licensed Wellsville agents. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

Whichever way you use, make darn sure you compare identical quote information for every company. If your comparisons have mixed coverages it will be very difficult to decipher which rate is best in Wellsville. Just a small difference in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes helps locate a better price.

Save big with these seven discounts

Companies offering auto insurance do not list all available discounts very clearly, so here is a list some of the more common and the harder-to-find car insurance savings.

Safety Course Discount - Taking part in a driver safety course could cut 5% off your bill if your company offers it.
55 and Retired - If you're over the age of 55, you may receive better car insurance rates.
Multiple Cars - Insuring all your vehicles with the same company qualifies for this discount.
Student in College - Children who live away from home and don't have a car may qualify for this discount.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
Organization Discounts - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you won't be that lucky.

To choose insurers with discount car insurance rates in Missouri, follow this link.

Car insurance ads bend the truth

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies say the same thing about savings if you change to their company. How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the driver that makes them money. An example of a profitable customer could be over the age of 40, insures multiple vehicles, and has a short commute. Any new insured who fits that profile receives the best rates and most likely will save when switching.

Potential insureds who fall outside these standards must pay more money which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" not "people who quote" save that much. This is how companies can truthfully make the claims of big savings. This illustrates why you need to get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

But I don't know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your situation could use an agent's help.

Should I rate my vehicle as pleasure use or commute?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
What are Missouri no-fault laws?
Do I need PIP (personal injury protection) coverage in Missouri?
Are rental cars covered under my policy?
Am I getting all the discounts available?
What can I do if my company won't pay a claim?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Even more information is available at the Missouri Department of Insurance website. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, report car insurance fraud, and read consumer alerts.

The best insurance company isn't always the cheapest

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Wellsville agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.