Hi! I am from Jefferson City and I would just like to know if logging on to car insurance comparison websites produces better results than browsing the yellow pages. Thanks!

Claire

Jefferson City, MO

More often than not, it is easier to get cheap car insurance quote Missouri and cheap car insurance policies by logging on to car insurance comparison websites. This is not to say that browsing the yellow pages will not help you get the desired results. However, if you base it on the promptness of getting cheap car insurance, using the Internet is a lot better compared to yellow pages.

Missouri Car Insurance Rates

You can shop for cheap car insurance quote Missouri by simply logging on to any car insurance comparison website. After entering basic personal information such as your age, driving history, and the model and make of your vehicle, you can then get a car insurance quote within minutes. This is a lot better compared to browsing the yellow pages, and then contacting each car insurance company you find.

Remember that most car owners do not have enough time to shop for cheap car insurance, so it is understandable why online shopping for cheap car insurance quote Missouri is preferred by most vehicle owners in the region.

It’s almost time to renew my policy, and I wanna look for a company here in Missouri that can offer me cheaper car insurance quotes. Any advice?

Molly

St. Louis, MO

Yeah, car insurance prices just keep rising, so who wouldn’t want to shop around? Well, since you’re already on the triple W, why not surf around online and get yourself some cheaper car insurance quotes?

Almost all car insurance companies have a website which offers a ton of information about car insurance and their own company policies on car insurance. You can just fill up their forms online, and they will come back to you with an email. Even better, find the car insurance marketing companies’ websites. With these companies, they sell several brands of car insurance, and they will be able to give you quotes for several insurance companies in one go. If you’re hesitant to give out your personal information, there are also websites that do not require your personal details and they, too, can give you rates for different car insurance companies in Missouri.

Cheap Car Insurance In Missouri

Armed with these, you can start nitpicking and find out where you can get cheaper insurance, who gives the best car insurance coverage deal for your money, and which car insurance company specializes in the type of insurance that fits you. Best of all, they give quotes with no strings attached and absolutely free! So just start browsing, and let these experts do the research for you.

I work at home and my wife uses the car much more than I do. We’re in Columbia, Missouri. When we applied for auto insurance, someone suggested that I place her as the primary driver. Does that really affect the auto insurance premium rate?

Thomas

Columbia, MO

Yes, Thomas, it does. This is true in Columbia, Missouri and the rest of the country. This is where we- as men, can shout “unfair!” and invoke the equality of all men and all those things. But the thing is auto insurance companies have the statistical data to back this up. Female drivers are considered safer drivers compared to male drivers. Because of this, female drivers are generally offered cheaper premiums than men. You see, premiums are based on several factors. Statistics occupy a large chunk of it. These statistics show that females are better and safer drivers.

Reduce Missouri Car Insurance Rates

In over 90% instances of dangerous driving, men figure prominently. Statistics further add that female drivers tend to drive slower and they’re more careful when on the road. Studies also show that women tend to drive short distances most of the time. Although studies also show that women tend to have as many accidents as men, their accidents are not usually as serious as the one where men are involved.

Now, females get cheaper premium insurance rates. Couple that with other premium buster tips and you’ll be surprised at how much your wife can lower your premium rate. You know, buy a safer car or purchase other insurance like homeowners from the same insurance company, that’ll afford you more discounts. If you and your wife only drive short distances, you might also consider looking for policies that offer discount for lower mileages.

Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

If I buy a car that is only three years old, am I required to have comprehensive insurance coverage on that car?

Tim

Kansas City, MO

No.

State laws have minimum car insurance coverages that you must carry on your car. Normally these coverages bodily injury liability (BIL) and property damage liability (PDL).

Comprehensive Car Insurance Rates

When you pay for a vehicle in full then you have to decide if you think comprehensive and collision are worth being added to your policy since they are optional coverages. So while you are not required to carry comprehensive coverage on your car you will need to weigh how much it would cost you to replace or fix the vehicle if it is damaged in a way that comprehensive coverages would cover such as flood water or hail or if your vehicle is stolen compare with the cost of putting comprehensive coverage on the car.

You speak with your car insurance agent to help calculate what coverages would be best for your case. You can also obtain auto insurance quotes with and without comprehensive coverages on it to check what the price difference is. You can anytime have a higher deductible on your comprehensive coverage to make your comprehensive car insurance rates lower.

If I have an unpaid traffic ticket in another state, will that affect my application for a car insurance in Kansas City MO, my new home state?

Phil

Kansas City, MO

As long as your license has not been suspended due to the unpaid tickets in the first state, you may still be able to get insurance in Kansas City, MO even if you have unpaid traffic violations.

In most states, your license and/or vehicle’s registration will be suspended if you do not pay tickets for moving violations. Before you could drive legally again and apply for car insurance you would need to take care of these tickets.

There are cases where a simple traffic ticket, even including unpaid parking tickets, can prevent you from renewing your license or vehicle registration. Aside from the fact that many states have extra fees for reinstating your license or vehicle registration, it will also be difficult to obtain insurance in your same state or a different state without having a full valid license.

Normally, you can obtain insurance if your license is not suspended due to unpaid tickets in your state or out of state. Then, you can get auto insurance quotes from different insurance carriers in Kansas City, MO.

I would like to know why car insurance rates vary from one company to another. I am trying to shop for cheap car insurance in St. Louis, Missouri and I am hoping you can give me some tips.

Francis

St. Louis, MO

Hello there, Francis.

It used to puzzle me too until I had an experience of becoming an auto insurance agent years back. Car insurance rates vary for each insurance company for a number of reasons.

Although, it is important that when you shop around for auto insurance, you might want to do a little research. You do not have to listen to snappy television commercials and cartoon mascots.

Cheap Auto Insurance Rates In St. Louis MO

Even if you are looking for cheap auto insurance in St. Louis, Missouri, remember that there are budget insurance companies that might offer very attractive and cheap offers. These budget insurance companies that inundate the airwaves may guarantee lower prices for you. However, their coverage might not be as inclusive as the traditional companies. Usually, they offer basic coverage, and serve the needs of many frugal consumers. The problem will arise once you make your insurance claims. It may be more difficult than you expect since you got their coverage at a very cheap rate.

Most companies that offer low-ball rates typically make up for it with lack of coverage. You will be frustrated when filing claims with them which can usually be exhausting marathons filled with red-tape. Beware of those that pitch you a price far below industry standards as these companies will likely have lower standards of their own.

Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

I would like to know if Missouri a no-fault insurance state? I am planning to relocate to St. Louis suburban area from a Michigan no-fault state and was wondering if I can expect the cost of my insurance to be cheaper.

Kelly

Columbia, MO

By the way, the state of Missouri is not a no-fault state. According to the Missouri law all motor vehicle owners must carry car insurance with liability limits of $25,000 per person for bodily injury up to $50,000 for bodily injury per accident and for property damage of $10,000 per accident. The Missouri law also requires uninsured motorist coverage of $25,000 for bodily injury per person up to $50,000 for bodily injury per accident.

If another motorist hits you and leaves the accident scene you should contact the law enforcement officer. The hit and run will be investigated and if they find the hit-and-run motorist you can file a claim against them and/or their insurance company. With a physical damage coverage your car is covered. You must always buy as much insurance as you can afford. The insurance will provide you peace of mind that you (the victim) will be compensated.

I want to be completely prepared when I get into an accident, because I have a Columbia Missouri SR22 policy and don’t want to get it canceled. Can you give me some tips?

Jackie

Thanks for your question, Jackie.

First of all, I want to point out that it is pretty unlikely that you will have your Columbia Missouri SR22 insurance policy right out canceled after one accident. Most companies allow you accident forgiveness, and even then usually the only thing they can do is wait until your policy ends and then decide not to renew it. Still, I’ll give you a hand.

1. Always take along with you a throw away camera. This is so you can snap photos of the accident, which may be necessary to prove that you were not at fault later on.
2. Bring a notebook, too–you’ll need the name, phone number, and insurance information, driver’s license number, license plate number, and so on of the person you get into the accident with.
3. You’re also going to need to write the names and numbers of any witnesses in that notebook so that you can have more help on your and your Columbia Missouri SR22 company’s side.

Cheers,

Fashun Guadarrama.