Jefferson City, MO Auto Insurance Buying Tips You Aren’t Supposed to Know

Finding lower rates for Jefferson City auto insurance is a challenge for consumers not familiar with comparing rates online. There are so many choices that it can easily become more work than you anticipated to find the best price in Jefferson City.

It is always a good idea to compare prices every six months since rates change quite often. Despite the fact that you may have had the best rates a couple years back there is a good chance you can find better rates now. So ignore everything you know about auto insurance because it’s time to teach you the things you must know in order to properly buy coverages and cut your premium.

Auto Insurance Prices in Jefferson City, Missouri

Most companies like State Farm and Allstate quote price estimates on the web. Getting online rates doesn’t take much effort as you simply type in the coverages you want as detailed in the form. When the form is submitted, the system collects your credit score and driving record and returns a price quote.

This simplifies rate comparisons, but the process of having to visit several different sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest possible prices on auto insurance.

There is a better way to compare rates

The preferred way to compare rates uses one form that analyzes rates from multiple companies. It’s a real time-saver, requires less work, and makes price shopping online a lot less work. Once the form is submitted, it gets priced and you can choose any of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here to open in new window and submit the form. If you have your current policy handy, we recommend you enter deductibles and limits exactly as shown on your declarations page. Doing this guarantees you will be getting rate quotes based on the exact same insurance coverage.

Situations that might require an agent

When buying adequate coverage, there really is not a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

Jefferson City car insurance prices

  • Does medical payments coverage apply to all occupants?
  • Do no-fault laws apply in Missouri?
  • Am I covered when driving on a suspended license?
  • Does coverage extend to a rental car in a foreign country?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving a rental car?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Additional detailed information can be found at the Missouri Department of Insurance website. Missouri drivers can find out which companies have the most complaints, view a list of available companies, find out industry alerts, and view agent and company licensing information.