Never Compare Kirkwood Auto Insurance Without Knowing These Money Saving Techniques

Are you confused by the sheer number of auto insurance options in Kirkwood? You’re not the only one! Drivers have so many options available that it can turn into a lot of work to compare prices.

You should take the time to get comparison quotes occasionally because prices trend upward over time. Just because you had the lowest price a couple years back the chances are good that you can find a lower rate today. So just forget all the misinformation about auto insurance because I’m going to teach you the only way to properly buy coverages and cut your premium.

The purpose of this post is to help educate you on how to get online quotes. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Missouri consumers just need to learn the proper way to compare rates online.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but a few must be specially asked for before they will apply. If you’re not getting every credit available, you are paying more than you should be.

  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better auto insurance rates.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • One Accident Forgiven – A few companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% with certain companies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.

Drivers should understand that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.

To see a list of companies with discount auto insurance rates in Missouri, follow this link.

Everyone needs different coverages

When choosing adequate coverage, there really is no best way to insure your cars. Every insured’s situation is Kirkwood Missouri insurance quote

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • What is the difference between comprehensive and collision coverage?
  • Why does it cost so much to insure a teen driver in Kirkwood?
  • What companies insure drivers after a DUI or DWI?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability coverage do I need in Missouri?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

The auto insurance bait and switch

Consumers in Missouri constantly see and hear ads for car insurance savings by Allstate, GEICO and Progressive. All the ads make the same claim of big savings if you switch to their company.

How does each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a desirable insured could possibly be between the ages of 40 and 55, has no tickets, and has excellent credit. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t meet the “perfect” profile will be quoted more money which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “people who quote” save money. That’s the way insurance companies can confidently claim big savings.

This emphasizes why drivers should compare many company’s rates. You cannot predict which company will have the lowest rates.

Missouri insurance cheap

Additional auto insurance information is available on the Missouri Department of Insurance website located here. Consumers can learn about specific coverages, get help finding coverage, discover disciplinary actions, and report car insurance fraud.

And the best car insurance company is…

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.

We’ve covered quite a bit of information on how to lower your auto insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Drivers change insurance companies for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, delays in responding to claim requests and even delays in paying claims. No matter why you want to switch, switching auto insurance companies can be easy and end up saving you some money.