Insider Methods for Cheap Raymore Missouri Car Insurance

Purchasing affordable Raymore car insurance online can be intimidating for consumers new to buying insurance on the web. With a ridiculous number of online companies, how can consumers effectively compare them all to find the lowest rates?

You should take the time to compare rates on a regular basis because prices are constantly changing. Just because you had the best rates six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn how to quote online to reduce your cost while improving coverage.

Compare Car Insurance Today

Cutting your Raymore car insurance rates doesn’t have to be difficult. You just need to spend a little time to compare quotes online with multiple companies. This can be done in a couple of different ways.

  • The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do repetitive form entry for each company. One quote request will get you rate comparisons . This is by far the quickest method.
  • Another way to analyze rates is to take the time to go to the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want rates from State Farm, GEICO and American Family. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in Raymore, click here.

It doesn’t matter which method you choose, just compare identical coverages for each price quote. If you have different liability limits you will not be able to make a fair comparison in Raymore.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. Certain discounts will be applied at quote time, but lesser-known reductions have to be asked for before you get the savings. If you aren’t receiving every discount available, you are throwing money away.

  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums.
  • Homeowners Pay Less – Owning a house in Raymore may earn you a small savings because of the fact that having a home shows financial diligence.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Accident Free – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Low Mileage – Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Good Student Discount – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less than drivers with accidents.
  • Paperwork-free – Certain companies will give a small break for buying a policy and signing up on their website.

It’s important to note that most discounts do not apply the the whole policy. Most cut 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. Any qualifying discounts will reduce your overall premium however.

To see a list of companies offering car insurance discounts in Raymore, click here.

How insurance companies determine rates

Smart consumers have a good feel for some of the elements that go into determining the price you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that can help you get better car insurance rates.Raymore Missouri insurance prices

Listed below are a partial list of the pieces companies use to determine your rates.

  • Don’t sacrifice liability coverage – Liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. It provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Mature drivers pay less – Teenage drivers in Missouri have a tendency to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Special features that cut premiums – Owning a car with an alarm system can get you a discount on your car insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • More performance means more cost – The performance level of the car you own makes a substantial difference in the rate you pay. Economy passenger models receive the most favorable rates, but there are many factors that impact the final cost.
  • Frequent car insurance claims increase rates – Auto insurance companies in Missouri give lower rates to people who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for larger claims.
  • Multi-policy discounts can save money – Many companies will award you with lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to ensure the best deal.

More information is located on the Missouri Department of Insurance website located here. Missouri drivers can report car insurance fraud, get help finding coverage, and find out industry alerts.

Other informative sites include this resource for Missouri car insurance prices and this page where you can research Raymore insurance agents.

The car insurance bait and switch

Missouri drivers can’t get away from ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise that you can save if you move to them.

But how can every company say the same thing?

All the different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a driver they prefer could be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and therefore will save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save money. That is how companies can advertise the savings.

Raymore Missouri insurance prices

That is why you absolutely need to get quotes from several different companies. Because you never know which company will give you the biggest savings.

In Summary

Drivers switch companies for any number of reasons including denial of a claim, high rates after DUI convictions, being labeled a high risk driver or policy non-renewal. Whatever your reason, switching companies is less work than it seems.

Cost effective car insurance is available both online in addition to many Raymore insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just showed you a lot of tips how to shop for car insurance online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company.