Who Has the Cheapest Car Insurance Quotes for Infrequent Drivers in Missouri?

Deciphering which companies offer the best car insurance rates for infrequent drivers takes a little more effort in order to find the lowest price quote.

Every car insurance company used slightly different criteria for filing rates in each state, so we’ll go over the car insurance companies that tend to have lower prices in Missouri. It’s important that you understand Missouri car insurance rates are calculated based on many things that can increase the policy premium. Simply getting older, marrying your spouse, or having an accident may cause policy rate changes that can make some companies more affordable than others.

Best Cheap Insurance Rates in Missouri

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USAA generally has some of the cheapest car insurance rates in Missouri at around $668 a year. The Hartford, Electric, Allied, and Auto-Owners are also some of the best Missouri insurance companies.

In the above example, if you are a policyholder with Allied and switched to USAA, you may realize annual savings of approxmiately $207. Insureds with Auto-Owners may save as much as $359 a year, and Travelers policyholders might realize rate reductions of up to $370 a year.

To find the cheapest auto insurance for infrequent drivers in Missouri for your vehicle, click here or click several companies below for low rates.

Remember that these prices are averaged across all insureds and vehicles and and are not figured with a price decrease for infrequent drivers. So the car insurance company that is most affordable for your situation may not even be included in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The vehicle you are insuring is probably the biggest factor that determines if you can find the lowest-priced auto insurance for infrequent drivers. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of having liability claims will cost significantly less to insure than high performance models.

The next list features coverage costs for the more afforable vehicles to buy insurance for.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in specific Missouri garaging location which can revise price quotes greatly.

Based upon the table data, we can expect cars like the Chevrolet Traverse, Ford Escape, and Honda Accord will definitely be the most economical vehicles to insure for low mileage drivers.

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Insurers that sell the cheapest auto insurance for infrequent drivers in Missouri may also provide rate discounts that can lower rates by as much as 40% or more if you can meet the requirements. Larger car insurance companies and some of the premium reductions they offer can be found below.

• Progressive offers discounts including homeowner, multi-policy, continuous coverage, good student, multi-vehicle, and online quote discount.
• MetLife has savings for accident-free, good driver, multi-policy, claim-free, defensive driver, good student
• Mercury Insurance has discounts for good driver, age of vehicle, location of vehicle, anti-theft, annual mileage, and accident-free.
• Nationwide discounts include business or organization, accident-free, family plan, easy pay, Farm Bureau membership, and defensive driving.
• GEICO policyholders can earn discounts including daytime running lights, driver training, air bags, membership and employees, and anti-theft.
• AAA includes discounts for good driver, good student, anti-theft, AAA membership discount, and multi-policy.

The chart below illustrates the difference between car insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no driving violations, no at-fault accidents, Missouri state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, homeowner, multiple vehicle, vehicle safety, defensive driving course, and claim-free discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on car insurance for infrequent drivers is 28% or $331.

Choosing the right auto insurance company can be rather challenging considering how many choices drivers have in Missouri. The company information shown below can help you choose which car insurance companies you want to consider comparing price quotes from.

The rankings below only include companies that insure vehicles across America, so companies that may only write in Missouri will not be included in these rankings. To compare prices and find the cheapest rates for infrequent drivers, click this link.

Find the cheapest auto insurance for infrequent drivers in Missouri

The list below shows some of the recommended thrifty suggestions that can help you find more affordable coverage.

• Save money by bundling your home and auto policies
• Vehicles with good safety ratings are usually cheaper to insure
• Pay for small claims rather than turning them in to your insurance company
• Assess whether full coverage is needed
• Having at-fault accidents will increase rates
• Drive safely
• Compare rates regularly to ensure the best deal

That last tip is incredibly crucial, as was emphasized in this article. Rates vary considerably, so don’t be tentative to buy a policy from a new company if a lower price can be found. Staying with the same car insurance company is fine, but it isn’t a good idea if that dedication is costing hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for infrequent drivers.