It’s the law: if you drive a motor vehicle on any public road in the state of Missouri you must have automobile insurance and you must carry proof of that insurance with you each time you drive your vehicle. Failure to do so could result in a serious fine, impounding of your vehicle or even jail time.
Driving without insurance simply is not worth the risk. And there’s no need to if you take the time to reduce the cost of your automobile insurance premiums.
Start by driving sensibly and within the law. Speeding, reckless driving, drunk or impaired driving all carry severe legal penalties and, just as bad, each of them will cause your automobile insurance rates to go so high that they might very well be unaffordable.
If you are in school stay in school and study hard. Getting a “B” average in school can reduce you automobile insurance rates significantly. If you’re 55 or older talk to your insurance agent about enrolling in an approved safe-driving course. Passing such a course can often save you as much as 10% on your automobile insurance premiums.
Depending on the age of your automobile you may be able to save money by reducing certain coverage amounts, especially on comprehensive coverage, which pays to have your car repaired after a claim. If your automobile is so old that it has little or no Blue Book value then you may consider dropping comprehensive coverage altogether since your insurance may pay little or nothing in any event.
Your deductible may be the biggest area in which you can have a significant impact on the cost of your automobile insurance. The more you are willing to pay for each covered accident – in other words, the larger of a deductible you are willing to pay – then the lower your monthly rate will be.
Now, finally, it’s time to go online and compare automobile policies and prices in order to find the best possible deal for you. Keep in mind that no one automobile insurance website compares every insurance company, so in order to insure that you get the most affordable automobile insurance in Missouri you will need to make your comparisons on at least 3 different website.
Even though that represents a fair amount of time and effort, most people feel that it is well worth it, since taking the time to make full comparisons now can result in savings of hundreds or even thousands of dollars a year in automobile insurance premiums for years to come.
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