Locating low-cost insurance for your car in Missouri can normally be difficult, but you can learn the following methods to save time.
There are both good and bad ways to shop for car insurance so you're going to learn the absolute fastest way to compare rates on a and find the lowest price either online or from St. Joseph insurance agents.
If you have a current insurance policy or just want to save money, you can use these tips to find better prices while maintaining coverages. Finding and comparing the best-priced policy in St. Joseph is not as hard as you think. Consumers just have to learn the fastest way to get comparison rates from many different companies.
The best way to get policy rate comparisons is to know the fact all the major auto insurance companies participate in online systems to compare their rates. To begin a comparison, all you need to do is provide a little information including whether you are married, your occupation, whether the vehicles are used for commuting, and daily mileage. That rating data is submitted instantly to insurance companies and you should receive rate quotes with very little delay.
To check car insurance prices now, click here and enter your coverage details.
The companies shown below provide comparison quotes in Missouri. If multiple providers are shown, we recommend you visit two to three different companies to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 2WD||$690||$345||$58|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,312||$656||$109|
|Dodge Ram Crew Cab SLT 4WD||$818||$409||$68|
|Ford Escape XLS 4WD||$606||$303||$51|
|Ford Explorer Limited AWD||$734||$367||$61|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$864||$432||$72|
|Ford Focus S 4-Dr Sedan||$888||$444||$74|
|Ford Fusion Hybrid 4-Dr Sedan||$1,172||$586||$98|
|Honda Accord LX 4-Dr Sedan||$796||$398||$66|
|Honda CR-V LX 2WD||$758||$379||$63|
|Honda Civic DX 4-Dr Sedan||$700||$350||$58|
|Honda Odyssey EX-L W/Navigation||$784||$392||$65|
|Hyundai Elantra SE Touring Station Wagon||$826||$413||$69|
|Hyundai Sonata SE 4-Dr Sedan||$710||$355||$59|
|Nissan Altima Hybrid 4-Dr Sedan||$786||$393||$66|
|Toyota Camry SE||$666||$333||$56|
|Toyota Corolla XRS||$1,024||$512||$85|
|Toyota RAV4 Sport 2WD||$944||$472||$79|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in zip code location which can lower or raise rates significantly.
Difference between liability only and full coverage rates
The chart below shows the comparison of Ford Fusion insurance costs with full coverage compared to only the Missouri minimum liability coverage. The information is based on no tickets, no at-fault accidents, $500 deductibles, married female driver, and no discounts are applied.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying full coverage
There is no specific rule to delete full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let's pretend your Ford Fusion book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $6,000 after the deductible is paid. If you are paying in excess of $600 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some scenarios where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Accidents and violations increase rates
The diagram below shows how violations and at-fault fender-benders can affect Ford F-150 auto insurance rates for different age groups. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
Can higher deductibles save money?
The information below illustrates how choosing a deductible and can impact Chevrolet Silverado insurance prices for different insured age categories. The prices are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Insurance does more than just repair your car
Despite the high insurance cost in St. Joseph, paying for insurance serves an important purpose.
- Almost all states have mandatory liability insurance requirements which means state laws require a specific level of liability in order to be legal. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your vehicle, it's guaranteed your bank will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you default on your policy, the bank may insure your vehicle at a much higher premium rate and require you to fork over for the much more expensive policy.
- Insurance preserves your vehicle and your assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. According to a 2015 survey, the average American driver is wasting up to $810 a year so compare rate quotes at every policy renewal to help ensure money is not being wasted.
What determines your policy premium?
Many different elements are taken into consideration when pricing auto insurance. Some factors are common sense like an MVR report, but others are not as apparent like where you live or your vehicle rating.
Auto insurance policy lapses increase prices - Driving your car without having proper coverage can get you a ticket and you will pay a penalty because you let your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
Vehicle theft costs us all - Selecting a car model with a theft deterrent system can earn a premium discount. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
Get a ticket, pay higher costs - Your driving citation history impacts premiums far more than you think. Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. Even a single speeding ticket can boost insurance rates by as much as twenty percent. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive.
Do you really need the extra coverages? - Policies have extra bells and whistles that you can buy on your auto insurance policy. Insurance for things like personal injury protection, high-cost glass coverage, and Farm Bureau memberships are some examples. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
Drivers with excellent credit save - A driver's credit rating will be a significant factor in determining your rates. Consumers who have good credit tend to be less risk to insure than drivers with lower credit ratings. Therefore, if your credit could use some work, you may save money insuring your vehicle by improving your credit score.
Get cheaper insurance with discounts
Insurance is not an enjoyable expense, but there may be some discounts to help bring down the price. Many discounts should be triggered when you get a quote, but some need to be asked for before you get the savings.
- E-sign Discounts - Some of the larger companies give back up to $50 for buying a policy and signing up online.
- Low Mileage - Fewer annual miles can qualify you for lower premium rates on the low mileage vehicles.
- Multi-car Discount - Buying insurance for several vehicles with the same company can reduce the rates for all insured vehicles.
- Anti-lock Brakes - Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- Data Collection Discounts - People who choose to allow driving data submission to study their driving habits remotely like In-Drive from State Farm and Progressive's Snapshot may get a rate reduction as long as the data is positive.
- Active Service Discounts - Having a family member in the military could mean lower insurance rates.
- Accident-Free Discounts - Good drivers with no accidents can earn big discounts compared to bad drivers.
A quick disclaimer, some credits don't apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like it's possible to get free car insurance, you aren't that lucky.
Popular insurance companies and some of the premium reductions they offer are included below.
- State Farm policyholders can earn discounts including defensive driving training, good student, good driver, driver's education, accident-free, student away at school, and multiple policy.
- GEICO may offer discounts for daytime running lights, multi-vehicle, military active duty, good student, and emergency military deployment.
- Liberty Mutual offers discounts including multi-policy, newly retired, multi-car, safety features, teen driver discount, preferred payment discount, and exclusive group savings.
- The Hartford includes discounts for good student, anti-theft, bundle, driver training, and vehicle fuel type.
- MetLife offers premium reductions for accident-free, claim-free, good driver, good student, and multi-policy.
- Progressive offers discounts for good student, homeowner, online signing, multi-policy, and continuous coverage.
It's a good idea to ask all companies you are considering which discounts you qualify for. All car insurance discounts may not be offered in every state. To choose insurance companies who offer cheap insurance quotes in Missouri, follow this link.
Tailor your insurance coverage to you
When quoting and comparing proper insurance coverage, there really is not a one-size-fits-all type of policy. Every insured's situation is different and your insurance should unique, too. For instance, these questions may help highlight whether your personal situation will benefit from professional help.
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Can my teen drive my company car?
- Should I buy full coverage?
- Do I have coverage when using my vehicle for my home business?
- How much will a speeding ticket raise my rates?
- Am I covered if I drive in a foreign country?
- Can my teen driver be rated on a liability-only vehicle?
- Do I need PIP coverage since I have good health insurance?
- Why am I be forced to buy a membership to get insurance from some companies?
- Do I need special coverage while pulling a rented trailer?
If you can't answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.
Cover all your bases
We just showed you quite a bit of information on how to find cheaper coverage online. The most important thing to understand is the more companies you get rates for, the better likelihood of getting cheap St. Joseph car insurance quotes. Consumers may even find the most savings is with an unexpected company. Some small companies often have lower rates on specific markets than the large multi-state companies such as GEICO and State Farm.
Cheaper auto insurance in St. Joseph is attainable from both online companies and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer rate quotes online and usually these regional carriers provide coverage only through local independent agents.