Ballwin, MO Auto Insurance Buying Tips You Aren’t Supposed to Know

Searching for affordable Ballwin auto insurance on the internet can seem to be challenging for people who are new to shopping for insurance online. When there are so many insurers available, how can consumers have a chance to compare every company to locate the lowest price?

It is always a good idea to compare rates periodically due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates a year ago other companies may now be cheaper. Don’t believe everything you read about auto insurance online but with this article, you’re going to get some great ways to slash your auto insurance rates.

Buying car insurance in Ballwin is not rocket science. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Missouri vehicle owners just need to understand how to shop over the internet.

Why you might pay higher rates in Ballwin

Smart consumers have a good feel for the rating factors that help determine the rates you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

The following are a few of the “ingredients” used by your company to calculate prices.

  • Your job and insurance rates – Occupations such as doctors, social workers and accountants tend to have higher rates than average due to high stress and lots of time spent at work. On the flip side, professions such as pilots, athletes and the unemployed receive lower rates.
  • Car features impact rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Clean credit earns discounts – Credit history is a huge factor in determining what you pay for auto insurance. So if your credit history is not that good, you could potentially save money when insuring your by improving your credit score. People with high credit ratings tend to be more responsible than drivers with lower credit scores.
  • Multi-policy discounts can save money – Some auto insurance companies will give a discount to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to comparison shop to verify if the discount is saving money. Drivers may still find better rates by buying insurance from more than one company.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders.

Compare the Market for Auto Insurance in Ballwin

All the larger auto insurance companies allow you to get coverage price quotes on the web. Obtaining pricing is quite simple as you simply type in the coverages you want into the quote form. Behind the scenes, their system gets your driving and credit reports and generates pricing information based on these and other factors.

This streamlines rate comparisons, but the process of having to visit different websites and complete many quote forms can be a bit repetitive. But it’s very important to perform this step if you want to find a better rate.

A less time-consuming method to find better auto insurance pricing utilizes a single form to get prices from several companies at one time. This type of form saves time, requires much less work on your part, and makes comparison shopping much easier to do. Once the form is submitted, it gets priced and you can select any or none of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly use this form to compare rates, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you type in the insurance coverages exactly as they are listed on your policy. Doing this assures you will be getting comparison quotes for similar coverage.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all seem to make an identical promise that you can save if you move your policy.

How do they all make the same claim?

Insurance companies have a preferred profile for the type of customer that makes them money. An example of a profitable customer could possibly be between 25 and 40, owns a home, and has a short commute. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will be quoted higher prices which leads to the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make the claims of big savings. This emphasizes why you need to quote coverage with many companies. It is impossible to predict which auto insurance company will give you the biggest savings.

Be sure to get all your discounts

Auto insurance companies don’t always list every available discount very clearly, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less than their less cautious counterparts.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

To see a list of providers with the best auto insurance discounts in Ballwin, click this link.

But I want to work with a local agent

Some consumers would prefer to talk to a local agent and there is nothing wrong with that. Good agents can answer important questions and help submit paperwork. One of the best bonuses of comparing rates online is you can get better rates but also keep your business local.

To find an agent, once you fill out this quick form, the quote information is emailed to companies in Ballwin who will battle for your insurance coverage. There is no need to visit any agencies as quotes are delivered to the email address you provide. How cool is that?!

Selecting an provider shouldn’t rely on just the price. Agents should be asked these questions:

  • Which insurance companies are they affiliated with?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Is the agency involved in supporting local community causes?
  • How long has their agency been in business in Ballwin?
  • How are claims handled?
  • If your car is totalled, how to they determine the replacement cost?

Captive or Independent: There is a difference

When looking for a reputable insurance agent or broker, there are a couple of types of agencies that differ in how they can insure your vehicles. Ballwin agents are either captive or independent. While both can write coverage properly, but it’s worth learning the differences since it may influence your selection of an agent.

Captive Insurance Agents

This type of agents are contracted to one company such as AAA, Allstate and State Farm. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Captives are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers sometimes choose to use a captive agent primarily because of the prominence of the brand and the convenience of having all coverages with one company.

The following is a list of captive insurance agencies in Ballwin willing to provide rate quotes.

  • Shelter Insurance – 119 Woods Mill Rd – Ballwin, MO 63011 – (636) 391-6680
  • Farmers Insurance Group – 13523 Barrett Parkway Dr – Ballwin, MO 63021 – (636) 238-0020
  • State Farm Insurance – 116 Holloway Rd – Ballwin, MO 63011 – (636) 227-7888
  • Allstate Insurance – 1728 Rosslare Ct – Ballwin, MO 63021 – (636) 256-7556
  • American Family Insurance – 15332 Manchester Rd – Ballwin, MO 63011 – (636) 391-8830
Independent Insurance Agents

Independent insurance agents do not work for one specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent.

When comparison shopping, it’s a good idea to contact at least one independent agent to ensure the widest selection of prices. They often place coverage with lesser-known insurance companies which may provide better rates.

Listed below are Ballwin independent agencies who can help you get price quotes.

  • De WITT Insurance – 1011 Howard George Dr – Ballwin, MO 63021 – (636) 256-9444
  • Mc Kellan Group Insurance – 102 Holloway Rd – Ballwin, MO 63011 – (636) 230-8700
  • Michael O’Hare Agency Inc – 234 Old Meramec Station Rd # G – Ballwin, MO 63021 – (636) 391-1774
  • Norman Montgomery Agency – 107 Solley Dr # C – Ballwin, MO 63021 – (636) 728-0020
  • Jeffrey Weiss Agency – 16497 Clayton Rd – Ballwin, MO 63011 – (636) 273-0010

For a full directory of insurance agents in Ballwin, visit this site.

Upon receiving answers to your satisfaction for all questions you ask as well as a affordable price, you have narrowed it down to an insurance agency that meets your needs to service your policy.

Which insurance is the “right” coverage?

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For example, these questions can help discover if you might need professional guidance.

  • Exactly who is provided coverage by my policy?
  • Should I sign the liability waiver when renting a car?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need added coverage for expensive stereo equipment?
  • Is rental equipment covered for theft or damage?
  • Are my friends covered when driving my vehicle?
  • When would I need additional glass coverage?
  • What if I total my vehicle and owe more than it’s worth?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

More tips and info about auto insurance is located at the Missouri Department of Insurance website. Visitors are able to find out industry alerts, read enforcement actions against agents and companies, read state legal mandates and laws, and view agent and company licensing information.

Compare but don’t skimp

Drivers leave their current company for many reasons like policy non-renewal, delays in responding to claim requests, unfair underwriting practices and being labeled a high risk driver. Regardless of your reason, finding a new auto insurance company can be pretty painless.

Discount auto insurance can be purchased from both online companies and with local Ballwin insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When shopping online for auto insurance, never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at an affordable rate, not the least amount of coverage.