Tired of wondering where the money will come from to pay high car insurance rates every month? Your situation is no different than many other drivers in Missouri.

Insurance rates Chevy Cruze in St. LouisAstonishing but true, a large majority of drivers have remained with the same car insurance company for well over three years, and nearly the majority have never even shopped around for lower-cost coverage. Many drivers in Missouri could save an average of approximately $320 each year just by shopping around, but they don't know how much they could save if they switched to a more affordable policy. There is such a variety of car insurance companies to choose from, and even though it's nice to have a selection, having more insurers makes it harder to locate the cheapest rates for Chevy Cruze insurance in St. Louis.

It's smart to compare rates at least once a year because prices tend to go up over time. Just because you found the lowest price on Chevy Cruze insurance in St. Louis last year other companies may now be cheaper. Forget all the misinformation about car insurance because you're going to learn the fastest and easiest way to remove unneeded coverages and save money.

Where can I get cheap St. Louis Chevy Cruze insurance?

The companies shown below offer free quotes in Missouri. If the list has multiple companies, it's highly recommended you visit several of them in order to find the most competitive rates.

St. Louis insurance discounts

Auto insurance companies don't necessarily list every discount very clearly, so the following is a list of a few of the more common and the more hidden discounts that you may qualify for.Insurance discounts

While discounts sound great, it's important to understand that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, company stockholders wouldn't be very happy.

A list of companies and their offered discounts are outlined below.

If you are trying to find cheaper St. Louis auto insurance quotes, ask every insurance company to apply every possible discount. All car insurance discounts may not apply to policyholders in your area. To view providers that offer discounts in Missouri, follow this link.

How Insurance Companies Calculate Chevy Cruze Insurance Rates

Smart consumers have a good feel for some of the elements that are used to determine your premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that could help you find much lower annual insurance costs.

Compare rates but still have a local St. Louis insurance agency

Many people just want to sit down with an agent and that is a personal choice. Experienced insurance agents are highly skilled in risk management and will help you if you have claims. A good thing about comparing auto insurance online is you may find cheap auto insurance quotes and still have a local agent.

Find insurance agent in St. LouisTo help locate an agent, after submitting this quick form, your information is submitted to companies in St. Louis that can give you free St. Louis auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to even leave your home because quoted prices will be sent to you directly. If you wish to get a rate quote for a specific company, feel free to jump over to their website and give them your coverage information.

Deciding on an provider needs to be determined by more than just a low price. The following questions are important to ask.

Pick the best auto insurance agent in St. Louis for you

If you are searching for a good St. Louis insurance agent, it's important to understand the different types of agencies and how they differ in how they can insure your vehicles. Agencies in St. Louis are considered either exclusive or independent agents depending on their company appointments. Both types of agents can sell and service auto insurance coverage, but it is a good idea to know the differences because it can impact your agent selection.

Exclusive Insurance Agents

These agents normally can only provide a single company's rates such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company's prices so you need to shop around if the rates are high. These agents are well schooled on their company's products which can be an advantage.

Below are St. Louis exclusive agents who can help you get price quotes.

12122 Tesson Ferry Rd #203 - St. Louis, MO 63128 - (314) 472-7445 - View Map

4530 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 487-2100 - View Map

5013 Hampton Ave - St. Louis, MO 63109 - (314) 352-2504 - View Map

More St. Louis agents

Independent Agents (or Brokers)

These type of agents do not work for one specific company and that gives them the ability to insure with a variety of different insurance companies and find the cheapest auto insurance rates. If they quote lower rates, they simply move the coverage in-house and that require little work on your part.

When comparing auto insurance rates, you definitely need to compare prices from at a minimum one independent agency in order to compare the most rates.

Shown below is a short list of independent insurance agencies in St. Louis who can help you get price quotes.

3008 S Jefferson Ave - St. Louis, MO 63118 - (314) 881-1488 - View Map

5516 Telegraph Rd - St. Louis, MO 63129 - (314) 894-1313 - View Map

2115 S Brentwood Blvd - St. Louis, MO 63144 - (314) 968-4444 - View Map

More St. Louis agents

After getting acceptable answers to any questions you may have as well as a price you're happy with, chances are good that you have found a car insurance agent that is professional and can insure your vehicles.

Persistence will pay off

We've covered a lot of ways to shop for Chevy Cruze insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the best car insurance rates are with the smaller companies. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like GEICO and State Farm.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. Too many times, someone dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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