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Home » Saving Money on Auto Insurance in Missouri
August 24, 2023

Saving Money on Auto Insurance in Missouri

What You Need to Know about saving money on car insurance in Missouri

By now most have found out that Missouri insurance rates have been increasing steadily over the past few years. This has made it difficult for many individuals to find affordable car insurance in the state.

Fortunately, there are a number of ways that you can save money on your auto insurance policy in Missouri. Here is an overview of some of the most effective strategies:

Shop Around

One of the best ways to save money on insurance is to shop around for the best rates. The internet makes it easy to compare policies from multiple providers and get quotes in a matter of minutes. Make sure you are comparing policies with similar coverage levels so that you can be sure you’re getting the best deal.

Higher Deductibles

Opting for higher deductibles can also help to lower your premium costs. Increasing your deductible to $1,000 and result in hundreds of dollars in savings every year. Be sure to keep the extra money set aside in case you do need to make a claim and use it for repairs or other expenses related to your vehicle.


Maintain Good Credit

Your credit score can also have an impact on your insurance rates in Missouri. Companies will take into account your credit history when calculating rates, since history shows that drivers with good credit tend to be less risky. To save money, make sure you maintain a good credit score and pay all bills on time.


Bundle Your Policies

Many insurance providers will offer discounts when you bundle multiple policies from the same company. You may be able to get a discount by combining your car insurance with homeowners or renters insurance, auto insurance with motorcycle coverage etc. Make sure to ask your agent about any discounts available for bundling policies.


Take Advantage of Discounts

Most insurance companies offer a variety of discounts that you can take advantage of in order to save money on your policy. You may be eligible for discounts based on where you live, what type of car you drive, your age or profession. Drivers living in the inner city tend to have higher rates than those in more rural areas.

Other discounts available are multi car discount, homeowners, good student, and safe driver discounts. To determine which discounts you qualify for, speak with your insurance agent and ask what is available in your area.

With a little research and planning, it is possible to find affordable auto insurance in Missouri. Use the tips above to save money on your policy without sacrificing coverage.

Numerous insurance companies provide substantial discounts when you enroll in their service that tracks your driving habits, such as speed, acceleration, and braking. This can be done through a downloadable app on your phone or a plug-in device installed in your car. By demonstrating safe driving, you have the opportunity to make significant savings on insurance premiums.

Do you really need comprehensive and collision coverage?

Depending on the age of your car, you may not need comprehensive and collision coverage. If your car is worth less than 10 times the annual cost of comprehensive and collision coverage, then it’s generally not a good idea to carry this type of policy.

Deciding whether you need comprehensive and collision come to simple how easy would it be to replace your vehicle after a total loss. If it would put significant burden on your finances to replace your car, then it may be wise to carry the coverage.

Another way you might save on auto insurance, is by removing people from your policy who don’t drive your car. If you have a son or daughter who is away at college and rarely uses their car, having them on your policy can significantly increase costs by excluding them from your policy. Note that not every state allows drivers to be excluded.

Research insurance quotes before buying your car!

The worst time to find out your auto insurance will be high is after you have signed the paperwork and driven off the lot. Before buying a vehicle, take some time to research auto insurance quotes in your area to make sure it is something you can afford.

Missouri car insurance rates are not uniform across all insurers; shop around to find the best deal. Some companies offer discounts for low mileages or driving records, so make sure to get multiple quotes.


Don’t lapse on your auto insurance


Each time your policy lapses, you are required to start anew, and this lapse will be reflected in your insurance history. Infrequent coverage implies a greater risk, which might result in insurance providers offering you less favorable rates. To be considered a preferred customer and receive the most competitive rates, it is advisable to maintain continuous insurance coverage and ensure a clean driving record.

If you have any more question about auto insurance savings, give us call at 816.453.7722. If you are ready to purchase your auto insurance, request a quote.

Categories: Auto Insurance

Tags: savings on auto insurance in Missouri

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