How long has it been since you compared quotes for low-cost car insurance rates in St. Louis, MO? St. Louis drivers have a choice when trying to find the lowest priced Mazda 2 insurance. You can either spend your time struggling with agents getting price quotes or use the internet to find the lowest rates.
There is a better way to compare car insurance rates and you need to know the best way to price shop coverage for your Mazda and find the lowest possible price from St. Louis insurance agents and online providers.
It's a good idea to get comparison quotes quite often because prices change regularly. Even if you got the lowest quotes on Mazda 2 insurance in St. Louis last year you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to learn the best methods to reduce your cost while increasing coverage.
We hope to familiarize you with the best way to quote coverages and some money-saving tips. If you have coverage now, you will be able to reduce the price you pay using these techniques. Smart buyers just have to use the tricks to compare rates from many different companies.
Learn How to Lower Your Insurance Rates
Many different elements are considered when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are more obscure like your continuous coverage or your financial responsibility.
- Save money with alarms and GPS tracking - Choosing a vehicle with advanced anti-theft systems can save you some money. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your vehicle from being stolen.
- Stay claim-free and save money - Companies in Missouri provide discounts to drivers who file claims infrequently. If you file a lot of claims you can look forward to higher rates. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
- Physical damage deductibles - Comp and collision deductibles represent how much money you are required to pay if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, hail damage, and damage from wind. The more money the insured has to pay upfront, the less your car insurance will be.
- Married people drive safer - Having a wife or husband helps lower the price when buying car insurance. Having a spouse means you're more mature and responsible and statistics prove drivers who are married are more cautious.
- Lower performance equals lower insurance costs - The type of car or truck you need to insure makes a big difference in your rates. The lowest premiums will generally be found on low performance passenger models, but many other things help determine your insurance rates. Since the Mazda 2 is a subcompact, insurance will be about the same or even less than the average rate where you live in St. Louis.
- Never have car insurance policy lapses - Driving without insurance coverage in place is not a good idea and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, failure to provide proof of insurance might get you a fine, jail time, or a revoked license.
The following companies have been selected to offer quotes in St. Louis, MO. If the list has multiple companies, we suggest you get rate quotes from several of them to get a more complete price comparison.
Be skeptical of insurance ads
Missouri consumers can't get away from ads for insurance savings by GEICO, State Farm and Progressive. They all have a common claim about savings after switching your policy.
It sounds good, but how can they all give you a lower rate on Mazda 2 insurance in St. Louis? It's all in how they say it.
All companies require specific criteria for the type of driver that will be a good risk. For example, a profitable insured might have to be over age 30, has never had a policy lapse, and drives less than 5,000 miles a year. Any new insured who fits that profile will probably get cheap rates and therefore will save a lot on St. Louis Mazda 2 insurance if they switch.
Potential insureds who fall outside the requirements may be required to pay higher rates and this results in business going elsewhere. The ads say "people that switch" not "all people who quote" save that much. That's the way insurance companies can confidently state the savings.
That is why you should quote coverage with many companies. It is impossible to predict which insurance company will have better rates than you're paying now.
It may be expensive, but it's not optional
Despite the high insurance cost for a Mazda 2 in St. Louis, buying auto insurance is a good idea for several reasons.
First, most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance if you want to drive legally. 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.
Second, if you have a lien on your car, most lenders will have a requirement that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Mazda at a much higher rate and require you to reimburse them for the much more expensive policy.
Third, auto insurance preserves both your vehicle and your personal assets. It will also reimburse you for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you cause an accident and are sued. If your Mazda gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. As of last year, the average driver in Missouri overpays as much as $800 each year so it's very important to do a rate comparison each time the policy renews to make sure the price is not too high.
Verify you're applying every discount
Some insurers don't always advertise every discount they offer in a way that's easy to find, so we researched a few of the more common and also the lesser-known credits available to bring down your rates.
- Discounts for Government Workers - Active or former government employment may reduce rates when you quote St. Louis car insurance with a few insurance companies.
- Student Discount for Driver Training - It's a good idea to have your young drivers successfully complete driver's ed class as it will make them better drivers and lower rates.
- Multi-line Discount - Larger insurance companies have a discounted rate on car insurance if you buy a life policy as well.
- Accident Forgiveness - This one isn't a discount, but some companies like Libery Mutual, GEICO and Allstate allow you one accident before they charge you more for coverage if your claims history is clear for a specific time period.
- Senior Citizen Rates - Mature drivers could receive lower premium rates.
One last thing about discounts, most discounts do not apply to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies aren't that generous.
Larger insurance companies and a partial list of their discounts are:
- GEICO may offer discounts for multi-policy, emergency military deployment, driver training, daytime running lights, and air bags.
- Travelers discounts include hybrid/electric vehicle, early quote, continuous insurance, multi-car, save driver, and IntelliDrive.
- Nationwide includes discounts for defensive driving, business or organization, multi-policy, accident-free, good student, and anti-theft.
- Farmers Insurance has discounts for good student, electronic funds transfer, switch companies, homeowner, mature driver, alternative fuel, and teen driver.
- Esurance offers discounts including paid-in-full, online quote, anti-theft, renters, anti-lock brakes, online shopper, and homeowner.
- State Farm offers discounts for passive restraint, multiple autos, driver's education, Drive Safe & Save, accident-free, safe vehicle, and defensive driving training.
- Progressive has savings for online signing, online quote discount, homeowner, multi-vehicle, and multi-policy.
- Mercury Insurance may have discounts that include low natural disaster claims, multi-car, annual mileage, multi-policy, and accident-free.
If you need cheaper St. Louis car insurance quotes, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply to policies in your area. To locate insurance companies offering insurance discounts in Missouri, click here to view.
Do I need an insurance agent?
A lot of people still prefer to get professional advice from a licensed agent and that can be a smart move Good insurance agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is the fact that drivers can get lower premium rates and still buy from a local agent. And buying from local agents is important especially in St. Louis.
After filling out this form (opens in new window), your insurance coverage information is sent to participating agents in St. Louis who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies due to the fact that quote results will go directly to your email. In the event you want to get a rate quote from a particular provider, you would need to go to their quote page and fill out the quote form the provide.
Compare rates from both independent and exclusive auto insurance agents
If you would like to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies that you can select. Insurance agents are classified as either independent (non-exclusive) or exclusive. Either one can write insurance policies, but it's a good idea to understand the difference between them because it can factor into the selection process.
Independent Insurance Agents (or Brokers)
Independent insurance agents do not have single company limitations so they have the ability to put coverage through lots of different companies and find you the best rates. If your premiums go up, they simply switch companies in-house which is easy for the insured. If you need lower rates, it's recommended you include independent agents for the best price selection. Most also write with small mutual carriers which can be an advantage.
Featured below are St. Louis independent insurance agents who can help you get price quote information.
- Equity One Insurance Agency LLC dba GlobalGreen Insurance
4568 Meramec Bottom Rd #2 - St. Louis, MO 63128 - (314) 845-3993 - View Map
- Just Insurance LLC
5122 Natural Bridge Ave - St. Louis, MO 63115 - (314) 381-0800 - View Map
- Naeger Family Insurance Agencies
4657 Hampton Ave - St. Louis, MO 63109 - (314) 802-8841 - View Map
Exclusive Insurance Agents
Exclusive insurance agents normally can only provide a single company's rates like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. These agents are usually well trained on what they offer which helps them compete with independent agents. Drivers often buy from exclusive agents primarily because of the brand name instead of buying on price only.
The following is a list of exclusive agents in St. Louis that can give you comparison quotes.
- Lacey Mitchell - State Farm Insurance Agent
326 N Euclid Ave #2n - St. Louis, MO 63108 - (314) 899-0633 - View Map
- Doug Rupp - State Farm Insurance Agent
4515 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 894-6000 - View Map
- John Hayden - State Farm Insurance Agent
2600 Locust St - St. Louis, MO 63103 - (314) 206-4734 - View Map
Finding a good car insurance agent is decision based upon more than just the price. Here are some questions you should ask.
- How are claims handled?
- Are you getting all the discounts the company offers?
- Does the company allow you to choose your own collision repair facility?
- Where are claims handled?
- Does the company use OEM repair parts?
- Is working in the agency their full-time job?
- Can glass claims be handled at your home?
- How long has the business existed?
How to know if you need help
When buying the right insurance coverage, there really is not a perfect coverage plan. Your needs are unique to you so your insurance should reflect that For example, these questions could help you determine if your insurance needs might need an agent's assistance.
- Do I have coverage when using my vehicle for my home business?
- What is glass protection for?
- Am I covered by my employer's commercial auto policy when driving my personal car for business?
- Should I put collision coverage on all my vehicles?
- Can I rent a car in Mexico?
- Are split liability limits better than a combined single limit?
- Is business equipment covered while in my vehicle?
- Do I need to file an SR-22 for a DUI in Missouri?
- I don't drive much so do I pay less?
If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and you can get the answers you need.
Don't give up on affordable rates
As you quote St. Louis car insurance, don't be tempted to reduce coverage to reduce premium. There have been many situations where someone dropped comprehensive coverage or liability limits to discover at claim time they didn't have enough coverage. Your strategy should be to get the best coverage possible for the lowest cost and still be able to protect your assets.
The cheapest Mazda 2 insurance in St. Louis is possible from both online companies and also from your neighborhood St. Louis agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these small, regional companies prefer to sell through local independent agencies.
To read more, take a look at the following helpful articles:
- Anti-Lock Brake FAQ (iihs.org)
- What Car Insurance is Cheapest for Drivers Under 21 in Missouri? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in Missouri? (FAQ)
- How Much are Car Insurance Quotes for a Chevrolet Equinox in Missouri? (FAQ)
- What is the Best Car Insurance in OFallon, MO? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Side Impact Crash Tests (iihs.org)
- State Car Insurance Guides (GEICO)