No one likes paying for car insurance, but if you drive a car on a public road in Missouri, you must have up-to-date auto insurance and proof of insurance with you at all times. If you drive without insurance, you could lose your licence for a year and have to pay a fine to get it back.
Because of this, it is important for many people in Missouri to find ways to save money and get cheap car insurance.
Keep your driving record clean. This is the first thing you need to do. Your car insurance rates will go through the roof if you get a ticket for speeding or get caught driving drunk or while impaired.
Most of the time, your insurance rates will be higher if you are young. But if you stay in school and keep at least a "B" average, many companies will lower your monthly premiums with a "Good Student Discount." If you are over 55, check with your insurance company to see if a refresher driving course that you take and pass will lower your insurance bill.
Car insurance costs more if you drive a sports car or other high-performance vehicle.
If you have an older car with little or no Blue Book value, you may choose to buy the minimum liability insurance coverage that is required in the state of Missouri. But if your car is newer or if you are paying for it with a loan, you may want to buy collision coverage and maybe even other coverage as well.
In either case, you can still lower the cost of your insurance by raising your deductible, which is the amount of money you will pay out of your own pocket if you have a claim. Your monthly premium payment will be less if your deductible is higher.
Lastly, go online and compare as many insurance companies as you can directly against each other on one of the many websites that can help you find the best price for car insurance in Missouri.
Unfortunately, you'll have to fill out the form on at least three different websites with all of your information if you want to compare the most companies and be sure you saved money and got the best discount car insurance you can.
