Learn How to Pay Less for Grandview, MO Auto Insurance
No one looks forward to buying auto insurance, especially when the price is too high.
There is such a variety of insurers to pick from, and though it is a good thing to have multiple companies, it makes it harder to compare rates.
The purpose of this article is to teach you how car insurance quotes work and some tips to save money. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. But Missouri consumers must know how companies sell online because it can help you find the best coverage.
Automobile Insurance Quotes in Grandview, MO
Most major insurance companies allow you to get coverage price quotes directly from their websites. Getting online quotes doesn’t take much effort as you just enter your coverage preferences as detailed in the form. Once you submit the form, their system requests your credit score and driving record and returns a price quote based on these and other factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit different websites and enter the same data into a form can be a bit repetitive. But it’s very important to get many rate quotes in order to find the lowest possible prices on auto insurance.
An easier way to get multiple rate quotes makes use of a single form to get prices from several companies at one time. It saves time, requires less work, and makes online quotes much easier. After sending the form, it is quoted and you are able to buy any of the pricing results.
If you find a better price you can click and sign and buy the policy. The whole process only takes a few minutes and may result in a nice savings.
To compare rates using this form now, click here and begin entering your coverage information. To compare your current rates, we recommend you complete the form with coverages and limits just like they are on your policy. Doing this guarantees you will have rate quotes for the exact same coverage.
Save big with these discounts
The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Some trigger automatically when you complete an application, but a few need to be requested specifically before you get the savings.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
- Paperwork-free – Certain companies give back up to $50 simply for signing digitally online.
- No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
- Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
- Auto/Life Discount – Some companies give a break if you buy life insurance.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
Consumers should know that some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will help reduce the cost of coverage.
To see a list of insurance companies with the best auto insurance discounts in Missouri, click here to view.
Local Grandview agents and auto insurance
A small number of people prefer to get advice from a local agent. One of the best bonuses of getting online price quotes is you may find lower rates but still work with a licensed agent. Supporting local businesses is important especially in Grandview.
After completing this form (opens in new window), your insurance coverage information is transmitted to agents in your area who will give you bids for your insurance coverage. There is no reason to leave your computer as quotes are delivered immediately to your email address. It doesn’t get any easier! It’s the lowest rates and work with a local agent.
Grandview insurance agencies are either independent or captive
If you’re trying to find a reliable agent, there are two different agency structures that differ in how they can insure your vehicles. Grandview agents are categorized either captive or independent (non-captive).
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent.
When comparison shopping, you should always get quotes from several independent insurance agents to get the best comparison.
Listed below is a short list of independent agents in Grandview willing to provide price quote information.
Direct General Ins Agency – 11902 Blue Ridge Ext # B – Grandview, MO 64030 – (816) 761-9908
Jerry L Hock Insurance – 12918 Grandview Rd – Grandview, MO 64030 – (816) 765-8433
A Bargain Insurance – 12034 Blue Ridge Ext – Grandview, MO 64030 – (816) 765-7722
Captive Insurance Agents
Captive agencies can only write with one company and some examples include Allstate, State Farm and Farmers Insurance. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captives are well schooled on their products and sales techniques which helps them compete with independent agents.
Shown below are Grandview captive agencies that can give you comparison quotes.
Allstate Insurance – 11902 Blue Ridge Ext # Q – Grandview, MO 64030 – (816) 761-8200
Farmers Insurance Group – 12400 Blue Ridge Ext – Grandview, MO 64030 – (816) 765-8484
American Family Insurance – 6400 Main St # B – Grandview, MO 64030 – (816) 966-1955
State Farm Insurance – 13012 Fuller Ave – Grandview, MO 64030 – (816) 761-8711
For a full directory of Grandview captive agencies, please click here.
Picking an auto insurance agent requires more thought than just a cheap price. These questions are important to ask:
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency support the community they serve?
- How many years of experience in personal lines insurance coverages do they have?
- Do they carry Errors and Omissions coverage?
- What insurance company do they write the most business with?
Once you have received positive feedback to all your questions and an acceptable price quote, most likely you have located an auto insurance agent that is a good match to properly insure your vehicles.
Much more information about auto insurance in Missouri is located on the website for the Missouri Department of Insurance. Click here for link. Visitors are able to view a list of available companies, learn about specific coverages, and read enforcement actions against agents and companies.
Best coverage at the best price
We just showed you a lot of tips how to shop for auto insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest premiums are with the least-expected company. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.
Cheaper auto insurance can be bought on the web as well as from independent agents in Grandview, and you should be comparing both so you have a total pricing picture. Some companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.