Rock Solid Methods for Comparing the Cheapest Raytown Missouri Car Insurance

Are you sick and tired of not being able to afford to insure your vehicles every month? You are in the same boat as many other drivers in Missouri.

Online insurance companies like Progressive, GEICO and Farmers Insurance all promote huge savings with TV and radio ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

Consumers should take time to compare rates quite often because rates are rarely the same from one policy term to another. Even if you got the best price a few years ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to reduce your cost while improving coverage.

How to Lower Your Car Insurance Cost in Raytown, Missouri

Most companies provide coverage price quotes on their websites. Getting online rates is quite simple as you just type in your coverage preferences into the quote form. Behind the scenes, their system will obtain information on your driving record and credit history and provides a quote. Online quotes makes comparing rates easy, but having to visit a lot of sites and enter the same data into a form can be a bit repetitive. But it is imperative to compare as many rates as possible if you are searching for the best price on car insurance.

The quickest way to lower your car insurance bill requires only one form that gets price quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier to do. After sending the form, it is quoted and you can select any or none of the resulting price quotes.

If a lower price is quoted, you can click and sign and buy the policy. The entire process only takes a few minutes and you will find out if you’re overpaying now.

If you want to compare rates now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with exactly as shown on your declarations page. Using the same limits helps guarantee you will receive comparison quotes using the same coverage and limits.

Take discounts and save

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but some may not be applied and must be specifically requested in order for you to get them.lower rates in Raytown MO

  • Federal Government Employee – Active or retired federal employment may qualify you for a discount with select insurance companies.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • E-sign – A handful of insurance companies will give a small break for buying your policy online.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if offered at their school.

It’s important to understand that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, you won’t be that lucky. But any discount will bring down the cost of coverage.

For a list of providers who offer car insurance discounts in Missouri, click here.

What about using a local agent?

A small number of people prefer to sit down with an agent and that is a personal choice. One of the best bonuses of price shopping on the web is you may find lower rates but still work with a licensed agent. And providing support for local agencies is definitely important in Raytown.

After completing this form (opens in new window), your information is sent to local insurance agents who will battle for your insurance coverage. There is no need to leave your computer due to the fact that quote results will go to the email address you provide. Now that’s easy! You’ll get the best rates AND a local agent.

Listed below is a list of insurance companies in Raytown willing to provide price quotes.

State Farm Insurance – 6612 Blue Ridge Blvd, Raytown, MO 64133 – (816) 353-3026
Farmers Insurance Group – 9804 E 87th St # D, Raytown, MO 64138 – (816) 358-8898
Progressive Insurance Co – 6220 Blue Ridge Cut Off, Raytown, MO 64133 – (816) 358-8290
Shelter Insurance – 6446 Raytown Trfy, Raytown, MO 64133 – (816) 356-3910
Allstate Insurance – 7302 Raytown Rd, Raytown, MO 64133 – (816) 356-5200
Direct General Ins Agency – 9059 E State Route 350, Raytown, MO 64133 – (816) 737-5200

Choosing an insurer shouldn’t rely on just a cheap price. Some important questions to ask are:

  • How often do they review policy coverages?
  • How long has their agency been open in Raytown?
  • Can glass repairs be made at your home?
  • Are they properly licensed to sell insurance in Missouri?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do the coverages you’re quoting properly cover your vehicle?
  • If they are an independent agency, which companies do they recommend?

Upon getting good answers to your questions and a low price estimate, most likely you have located an insurer that will provide car insurance coverage.

car insurance image

What is the best insurance coverage?

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I qualify for additional discounts?
  • Am I covered when driving a rental car?
  • How much underlying liability do I need for an umbrella policy?
  • Does my vehicle qualify for pleasure use?
  • Does my policy pay for OEM or aftermarket parts?
  • Will my rates increase for filing one claim?
  • Is business equipment covered while in my vehicle?
  • How much liability do I need to cover my assets?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Much more information about car insurance in Missouri is available on the website for the Missouri Department of Insurance. Click here for link. Consumers can find out which companies have the most complaints, file complaints about an insurance agent or broker, download brochures, and view a list of available companies.

More comparisons equals lower rates

Lower-priced car insurance is attainable from both online companies in addition to many Raytown insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.

We’ve covered a lot of tips how to reduce car insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small local company. These companies often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.