Tightwads Guide to Saving on Arnold Missouri Auto Insurance

Expensive auto insurance can overdraw your bank account, especially in this economy. Doing a price comparison is a smart way to tighten up your finances. Because there are so many insurance providers from which to choose, it is hard for the average consumer to pick the lowest price car insurance company.

How to Get Cheap Auto Insurance in Arnold, MO

Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance companies in Arnold, or you can utilize the internet to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace that enables customers to complete one form, and each company then gives them pricing based on that data. This eliminates the need for quote forms to every company. To fill out one form to compare multiple rates now click here to open in new window.

The single downside to using this type of form is that consumers can’t choose which carriers you want pricing from. If you wish to select specific providers to compare, we have a page of companies who write auto insurance in Missouri. Click to view list.

Whichever method you choose, make darn sure you compare the exact same coverage limits for every company. If you compare different liability limits it’s impossible to make a fair comparison in Arnold.

Online quotes with a local Arnold insurance agent

Some people would rather visit with an insurance agent. Insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rates online is you can get the best rates but also keep your business local. Buying from local businesses is definitely important in Arnold.

Upon completion of this quick form, the quote information is transmitted to insurance agents in Arnold who will return price quotes for your insurance coverage. You never need to even leave your home as quotes are delivered to your email. How cool is that?!

Captive and independent Arnold car insurance agents

When researching a local agent, there are two types of insurance agents that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive). Both properly insure your vehicles, but it’s worth mentioning the differences since it may influence the selection process.

Independent Insurance Agents

Independent agencies do not work for one specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, you should always include several independent insurance agents for the best price selection.

The following is a short list of independent insurance agencies in Arnold that can give you competitive price quotes.

Rob Edmonds Insurance – 2024 Key West Dr # B – Arnold, MO 63010 – (636) 942-3733
D R Sparks Insurance Svc – 1331 Jeffco Blvd – Arnold, MO 63010 – (636) 296-2291
Moellenbech Jordan Agency Inc – 681 Jeffco Blvd – Arnold, MO 63010 – (636) 296-0101
Direct General Ins Agency – 16 Fox Valley Ctr – Arnold, MO 63010 – (636) 287-8887

Agency Captives

Captive agents work for only one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot place coverage with different providers so keep that in mind. Captives are well schooled on their company’s products which can be an advantage.

The following is a list of captive insurance agencies in Arnold willing to provide comparison quotes.

Allstate Insurance – 12 Village Plz – Arnold, MO 63010 – (636) 464-2400
State Farm Insurance – 1331 Jeffco Blvd # 1 – Arnold, MO 63010 – (636) 296-3333
American Family Insurance – 3838 Jeffco Blvd – Arnold, MO 63010 – (636) 464-9200
Shelter Insurance – 1623 Jeffco Blvd # 207 – Arnold, MO 63010 – (636) 296-2656
Farmers Insurance Group – 1623 Jeffco Blvd # 203 – Arnold, MO 63010 – (636) 296-3320
Jefferson Co Farm Bureau Ins – 1370 Jeffco Blvd – Arnold, MO 63010 – (636) 797-2285

To view a complete directory of Arnold captive agencies, please click here.

Deciding on an insurance agency should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Can glass repairs be made at your home?
  • If you have an accident, will your rates go up?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the agency have a good rating with the Better Business Bureau?
  • Is their price quote a firm figure or are their hidden costs?

Once you have satisfactory answers to your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that can provide auto insurance coverage.

Additional Missouri consumer information

More information is located on the website for the Missouri Department of Insurance through this link. Missouri drivers can find out industry alerts, learn about insurance regulations, and view agent and company licensing information.

Other useful links include this site for rates in Missouri and CarInsuranceDIY.com.