Cheap Car Insurance Quotes for Good Students in Missouri

When shopping for the cheapest insurance for student drivers, one of the many things that is looked at to determine the cost of insurance is where you call home. Areas with more people like Saint Louis, University City, and Raytown tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims generally pay lower insurance rates.

The illustration below shows the more expensive cities in Missouri for good students in which to buy car insurance.

Rates are comparative as specific Missouri zip code can revise price quotes significantly.

Cost and performance of the vehicle you are insuring is probably the biggest factor that determines the availablility of cheap auto insurance for good students in Missouri. Vehicles with high performance features, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The information below features insurance premiums for the cheapest vehicles to buy coverage for.

Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in your specific Missouri location which can affect insurance rates substantially.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can decrease or increase premiums noticeably.

Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific location which can alter price quotes significantly.

Poor driving habits will raise your car insurance rates

The easiest method to receive the best car insurance rates in Missouri for student drivers is to drive cautiously and not receive tickets or have accidents. The illustration below highlights how speeding tickets and at-fault collisions can drive up insurance premiums for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3043,3303,5493],[‘Age 30’, 1583,1841,4031],[‘Age 40’, 1519,1777,3969],[‘Age 50’, 1393,1651,3839],[‘Age 60’, 1371,1627,3817],[‘Age 70’, 1579,1837,4025]]);var options = {title: ‘Effect of Violations and Accidents on Missouri Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Missouri’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of car insurance per year with a clean driving record and no accidents is $1,748. Factor in one speeding ticket and the average cost hikes up to $2,006, an increase of $258 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for good students increases to an average of $4,196. That’s an increase of $2,448, or $204 per month, just for not driving attentively!

The information below shows how choosing a deductible can influence annual premium costs when trying to find cheap insurance for good students. The premiums are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2247,2059,1845,1639],[‘Age 30’, 1573,1435,1277,1129],[‘Age 40’, 1559,1425,1273,1129],[‘Age 50’, 1365,1251,1121,997],[‘Age 60’, 1299,1189,1063,943],[‘Age 70’, 1409,1287,1157,1035]]);var options = {title: ‘Impact of Deductibles on Auto Insurance Cost in Missouri’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could cut expenses by $244 a year by increasing from a $100 deductible up to a $500 deductible, or save $368 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can save as much as $608 each year just by choosing higher deductibles when buying full coverage. When using a larger deductible, it is necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

How to get cheap auto insurance for good students in Missouri

It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help drivers get low-cost coverage.

• Good credit can save money
• Increase your deductibles
• Vehicles with good safety ratings are usually cheaper to insure
• Save money by observing traffic laws and speed limits
• Older vehicles may not need full coverage
• Avoid accidents and claims
• Shop around for cheaper prices often

The final tip is extremely significant, as was stressed in the prior article. Auto insurance rates can be modified anytime, so don’t hesitate to switch carriers if a more affordable price is available.

Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that loyalty results in overpaying big bucks every year. It only takes a couple minutes to compare prices to find cheaper auto insurance for good students.

Who has the cheapest insurance quotes for student drivers?

There are quite a few ways to compare car insurance quotes in Missouri, but the most frequently used methods are from an exclusive insurance agency like State Farm or Allstate, an independent insurance agent, or from a direct company like Geico or Progressive.

They all have the same end result, but each is slightly different in how they provide rate quotes.

Independent insurance agents write for multiple companies and can get policy pricing from all of them. These types of agents will quote rates with many companies, which can give you better odds of saving money. If they quote lower rates, it’s easy for the agent to move the policy which is easy for the insured.

Exclusive agents are only able to quote rates from one company such as a State Farm or Farmers agent. Exclusive agents generally are unable to provide other companys’ prices, so keep that in mind.

If you choose to buy car insurance direct, you bypass local agents and instead buy direct online or over the phone from a company like Geico or Esurance. Shopping for car insurance direct may be good for drivers who do not need advice for asset protection and know more than average about what coverage limits and deductibles they need.

So which of those three methods works best to buy cheap auto insurance for good students in Missouri? The majority of car insurance shoppers assume that buying from a direct car insurance company saves the most money because you bypass the agent, but that is not always the case. A valid argument could also be made that an independent agency guarantees the cheapest rates since they have more companies to choose from, but that assumption is not true either. In the right set of circumstances, exclusive agents have price quotes that are the cheapest.

Due to that fact that car insurance uses so many rating variables, the best method to get the lowest rate is to get quotes and compare the rates. The ideal approach is to get prices from all three to give yourself enough choices. A great place to start is our list of online companies offering discounts: click here to view.