Is Your Raymore Missouri Auto Insurance Costing Too Much?

Finding low-cost Raymore auto insurance online is rather challenging for people who are new to price shopping online. With so many insurance companies available, how can you even start to compare them all to find the cheapest available price?

It’s important to price shop coverage at least once a year since insurance rates are usually higher with each renewal. Despite the fact that you may have had the best price six months ago there may be better deals available now. So just forget all the misinformation about auto insurance because we’re going to show you the best way to save on auto insurance.

How to Lower your Auto Insurance Rates

It’s important that you understand the factors that come into play when calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get lower auto insurance prices.

The list below includes some of the items that factor into your rates.

• Where you live is a factor – Residing in a rural area is a positive aspect when insuring your vehicles. Urban drivers regularly have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents and a lower car theft rate.
• Lower rates come with age – Mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers are statistically proven to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.
• Bundling policies can get discounts – Most insurers give discounts to people who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal. You may still be able to find better rates by buying auto insurance from a different company.
• Traffic violations increase rates – A bad driving record has a lot to do with how much you pay for insurance. Even one citation may increase your cost by twenty percent. Drivers with clean records have lower premiums compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state DMV in order to keep their license.
• Being married can save on auto insurance – Being married actually saves money on auto insurance. Having a spouse is viewed as being more mature than a single person and it’s statistically proven that married couples file fewer claims.
• Increase deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
• Lower miles equals lower premium – The more miles you rack up on your car in a year the more you will pay for auto insurance. The majority of insurers price each vehicle’s coverage based on their usage. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance policy is showing how each vehicle is driven.

Don’t miss these discounts

Companies offering auto insurance don’t always publicize all available discounts very well, so we break down both the well known and the harder-to-find auto insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

• Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
• New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
• Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accident claims.
• Organization Discounts – Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance.
• Accident Free – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.

Keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose insurers with the best auto insurance discounts in Missouri, click here.

Additional reading for auto insurance information

More tips and info about auto insurance is available at the Missouri Department of Insurance website. Missouri consumers can learn about specific coverages, read consumer alerts, and download brochures.

Additional helpful sites include this site for rates in Missouri and this list of agents in Raymore, MO.

Keep this in mind

We just presented a lot of tips how to lower your auto insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a small mutual company.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an insured cut physical damage coverage and learned later that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Cost effective auto insurance can be found from both online companies in addition to many Raymore insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.