Tightwads Guide to Saving on Blue Springs, MO Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your checking account, especially in this economy. Comparing price quotes is a smart way to lower your monthly bill.

Many insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest rate

If you currently have car insurance, you should be able to save some money using these techniques. Choosing the best insurance company for you in Blue Springs is easy if you know what you’re doing. Nevertheless, Missouri drivers need to have an understanding of how insurance companies price online insurance and apply this information to your search.

How to Lower Your Auto Insurance Cost in Blue Springs, MO

Shopping for lower auto insurance rates can take time and effort if you don’t understand the most efficient way to do it. You could waste time talking about coverages with agents in Blue Springs, or you could use the web to get rates in a matter of minutes.

Most car insurance companies participate in an industry program where insurance shoppers complete one form, and at least one company provides a quote based on that information. This system prevents you from having to do form submissions to every company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to doing it this way is you don’t know exactly the companies you want to price. If you wish to select specific insurance companies for rate comparison, we have a listing of auto insurance companies in Missouri. Click here for list of insurance companies in Missouri.Blue Springs Missouri insurance ad

It’s up to you which method you use, but make absolute certain that you use identical coverages with every price quote. If you have differing limits then you won’t be able to determine the lowest rate in Blue Springs. Having just a slight variation in coverage limits may result in large price differences. And when price shopping your coverage, getting more free quotes provides better odds of finding better pricing.

Don’t miss these discounts

Auto insurance companies do not advertise every discount very clearly, so we researched both well-publicized and the harder-to-find savings tricks you should be using.

  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Government Employees – Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Paperless Signup – Some insurance companies may give you up to $50 simply for signing online.
  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

To choose insurance companies with discount auto insurance rates in Blue Springs, click this link.

When might I need help?

When it comes to buying coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when delivering products for my home-based business?
  • Do I need added coverage for expensive stereo equipment?
  • How can I get high-risk coverage after a DUI?
  • What is the minimum liability in Missouri?
  • Is my vehicle covered for smoke damage?
  • What can I do if my company denied a claim?
  • Where can I get insurance after a DUI in Missouri?
  • Do I need motorclub coverage?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Why some people pay less for insurance in Blue Springs

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to big savings.

  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage when you are found liable for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • How credit affects auto insurance rates – Your credit score is a huge factor in calculating your auto insurance rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit is low, you could save money insuring your by spending a little time repairing your credit.
  • High numbers of claims are not good – Insurance companies in Missouri provide better rates to people who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Traffic violations increase rates – Even a single speeding ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Performance makes a difference – The make and model of the car you are insuring makes a huge difference in how high your rates are. The lowest rates are generally reserved for small economy passenger models, but other factors influence the final cost greatly.

Final considerations

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Budget-conscious auto insurance can be sourced both online in addition to many Blue Springs insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just presented some good ideas how you can compare auto insurance prices online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a smaller regional carrier. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

More tips and info about auto insurance can be found at the Missouri Department of Insurance website. Missouri consumers can read industry bulletins, read consumer alerts, and find a variety of consumer forms.