I can’t think of anyone who likes having to buy auto insurance, in particular when the cost is too high. Companies like State Farm and GEICO constantly blast consumers with catchy ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
Grandview Auto Insurance Comparisons
All major auto insurance companies such as 21st Century, Allstate and State Farm provide coverage prices online. Getting online rates is fairly straightforward as you simply type in the coverages you want as detailed in the form. Upon sending the form, the system requests information on your driving record and credit history and returns a price. Online quotes simplifies rate comparisons, but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it is imperative to have as many quotes as possible in order to find the lowest auto insurance rates.
There is an easier way!
The easiest way to compare auto insurance pricing requires only one form to get prices from a lot of companies. It saves time, eliminates form submissions, and makes online shopping much more efficient. After your information is entered, it is rated and you are able to buy your choice of the pricing results.
If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and could lower your rates considerably.
To find out how much you can save on auto insurance, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter your coverages identical to your current policy. Doing this guarantees you will have comparison quotes for similar insurance coverage.
Don’t miss these eight discounts
The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but a few must be manually applied before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.
- Government Employees – Simply working for the federal government could cut as much as 10% off depending on your company.
- Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- Multiple Policy Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
- Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts up to 30%.
- Distant Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
- Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
- Senior Citizens – Older drivers may receive a discount up to 10%.
- Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.
To choose insurance companies with discount auto insurance rates in Missouri, click here to view.
When might I need help?
When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs might need professional guidance.
- Is my babysitter covered when using my vehicle?
- Am I getting all the discounts available?
- Do I need medical payments coverage since I have good health insurance?
- Does my liability insurance cover pulling a trailer or camper?
- Should I have combined single limit or split liability limits?
- Why does it cost so much to insure a teen driver in Grandview?
- What is covered by UM/UIM coverage?
- Do I need PIP (personal injury protection) coverage in Missouri?
- Does my policy pay for OEM or aftermarket parts?
- Who is covered when they drive my vehicle?
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.
Coverages available on your auto insurance policy
Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Coverage for medical payments
Med pay and PIP coverage reimburse you for bills such as funeral costs, surgery, ambulance fees and hospital visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Liability auto insurance
Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as loss of income, emergency aid, repair bills for other people’s vehicles, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Missouri state law requires minimum liability limits of 25,000/50,000/10,000 but it’s recommended drivers buy better liability coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.
Since a lot of drivers only carry the minimum required liability limits (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a bird, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
More information can be read on the website for the Missouri Department of Insurance located here. Consumers can find out which companies have the most complaints, download brochures, and read enforcement actions against agents and companies.
Better coverage you can count on
Cost effective auto insurance is available from both online companies as well as from independent agents in Grandview, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
In this article, we presented quite a bit of information on how to save on auto insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.