When shopping for lower-priced insurance, do you get confused by the wide range of auto insurance companies available to you? You have such a large number of options that it can easily become a real difficult job to find the perfect company for you. Cameron is a great place to live, but high auto insurance prices can make it impossible to affordably buy enough coverage.
The quickest method to compare rates is to realize most of the larger companies allow for online access to give free rates quotes. The one thing you need to do is provide a little information like daily mileage, if the car is leased, whether the vehicles are used for commuting, and if you are currently licensed. Your details is sent automatically to insurance carriers in your area and you receive quotes with very little delay.
To start a quote now, click here and enter your zip code.
Well known brands might not be cheapest
Consumers constantly see and hear ads for auto insurance savings by Progressive, Allstate and Geico. All the companies make an identical promise that people will save just by switching your coverage to them.
That’s great but how can every company make almost identical claims? It’s all in the words they use.
Companies have specific characteristics for the type of customer that will not have excessive claims. For example, this type of driver might have to be between the ages of 30 and 50, has no claims, and does not commute to work. Anybody that matches those criteria will get the preferred rates and is almost guaranteed to save if they switch.
Consumers who do not match the “perfect” profile may be required to pay a higher premium which translates to the prospect going elsewhere. The ad wording is “people that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can make claims like that. Because of the profiling, you absolutely need to compare price quotes frequently. It’s just too difficult to predict which company will have the best prices.
Use discounts on Cameron auto insurance
Auto insurance is not cheap nor is it fun to buy but there are discounts available that you may not even be aware of. Certain credits will be shown when you quote, but a few need to be asked about before you get the savings.
- Claim-Free Discount – Good drivers with no accidents pay less when compared with bad drivers.
- Multi-policy Discount – When you have multiple policies with one company you could earn a discount of 10% to 20% off each policy.
- Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Good Student Discount – Being a good student may save as much as 25% on a . Earning this discount can benefit you up to age 25.
- Service Members Pay Less – Being deployed with a military unit can result in better auto insurance rates.
- Online Discount – Some auto insurance companies may give you up to $50 digitally online.
- Discounts for Government Workers – Active or former government employment can earn a discount up to 10% with a few auto insurance companies.
It’s important to note that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
To see companies offering auto insurance discounts in Missouri, click here to view.
Learn about auto insurance coverages
Knowing the specifics of auto insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Coverage for liability – This provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.
Liability coverage protects against things such as court costs, medical expenses, repair bills for other people’s vehicles, structural damage and loss of income. How much coverage you buy is a personal decision, but you should buy higher limits if possible. Missouri state minimum liability requirements are 25,000/50,000/10,000 but drivers should carry better liability coverage.
Collision coverage – Collision coverage pays for damage to your vehicle from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a ditch, scraping a guard rail, rolling your car, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many Missouri drivers have only the minimum liability required by law (25/50/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills like doctor visits, ambulance fees and funeral costs. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Even more information is located at the Missouri Department of Insurance website. Missouri drivers can file complaints about a company, find out which companies have the most complaints, download brochures, and find disaster information.
And the best auto insurance company is…
Throughout this article, we presented many ways to get a better price on auto insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company.
Insureds change insurance companies for any number of reasons including not issuing a premium refund, policy non-renewal, poor customer service or unfair underwriting practices. It doesn’t matter why you want to switch finding a great new company is easier than you think.
Lower-priced auto insurance can be purchased both online in addition to local insurance agencies, so you need to with both in order to have the best price selection to choose from. Some insurance companies don’t offer online rate quotes and these small, regional companies only sell coverage through independent insurance agencies.