I don't think many Missouri drivers look forward to paying their car insurance premium every month, but the vast majority do. Why? For one thing, it's against the law in Missouri to drive a non-farm vehicle on a public road without insurance. If you get caught, the penalties are so harsh that it's not worth the risk.
The next question is how you can afford to pay the monthly premium to get the necessary insurance.
In the end, the best thing to do is compare low-cost car insurance plans until you find one that fits your needs and budget. But before you start comparing things, it makes sense to do your homework and find out what your choices are.
For example, if you have a good driving record, your insurance costs will be low. In other words, don't drive too fast or while drunk or sick. Your monthly premium will go up if you do anything behind the wheel that makes people doubt your ability to drive safely all the time.
Your premiums can also go down if you put all of your insurance policies under the same insurance company. In other words, if you already have health insurance or a policy for your home, buying your car insurance from the same company can lower your premiums. This is done through a programme that most insurance companies call a "multi-policy discount."
Young drivers and very old drivers have the most accidents, so their car insurance rates are the highest. Stay in school if you're there. Work hard and get good grades. Most insurance companies offer a Good Student Discount to students with a grade point average of "B."
Drivers 55 and older who pass a driver's refresher course can save up to 10% on their monthly premiums. Ask your insurance agent if your company has a programme like this.
Look closely at the kinds of coverage you're paying for and ask questions about each one. Missouri law sets minimum coverages, and if you're financing your car, your lender may require you to pay for extra coverage. If you drive an older car, though, you might want to drop comprehensive coverage, for example, to save money.
Lastly, choose the highest deductible that you can afford. When you file a claim, you will pay the amount of your deductible out of your own pocket. The higher your deductible, the lower your monthly premium will be.
O.K. Now you need to go online and start comparing. There are dozens of websites that tell you to compare the features and prices of auto insurance policies from different companies. Keep in mind that none of the websites that offer this service will compare every insurance company in Missouri. If you really want to compare low cost auto insurance in Missouri, you will have to take the time to compare on more than one website.
Even though it takes some work, the internet lets you do something that wasn't even possible a few short years ago: compare low cost auto insurance in Missouri and feel confident that you've found the best policy for you at the best price.
