The Internet makes it easy for drivers to research how to get the cheapest car insurance in Missouri. Most people, however, request quotes online and then sit back and wait for the quotes to arrive in the mailbox, but there’s more to getting the cheapest car insurance in MO than that. Smart drivers don’t simply settle for the lowest quote they get, and neither should you.

The first thing that smart drivers know about getting the cheapest car insurance in Missouri is the minimum amounts of car insurance required by the state. Drivers in the state of Missouri are required by law to carry at least $25,000 of bodily liability injury coverage per injured person up to $50,000 per accident; and a minimum of $10,000 of property damage liability coverage. Drivers must also carry a minimum of $25,000 uninsured/underinsured motorist coverage per person up to $50,000 per accident. But there’s more to getting the cheapest car insurance in MO than just buying the minimum coverage.

Even though you want to get the cheapest car insurance in Missouri, you also have to have enough car insurance for your needs. Comprehensive and collision coverage is not required by law in MO, but most lien holders for new and lease vehicles require it as a condition of the loan or lease. You can save on comprehensive coverage by making sure you take advantage of all the discounts offered by your car insurance carrier.

Smart drivers know that their best chance of getting the cheapest car insurance in MO is having a spotless driving record. Ditto for your credit report. When car insurance companies see that you pay your bills on time, it shows them that you’re managing your money well and they don’t have to worry about late premium payments, which could lead to cancellation or non-renewal of your policy. Being financially responsible can help you get the cheapest car insurance in Missouri.

Another way to get the cheapest car insurance in MO is to drive the right kind of car. A driver purchasing a new car and is looking for the most value for his insurance dollars should consider getting a 4-door sedan or SUV rather than a sports car. Sports cars are considered high-risk vehicles that are most likely to be wrecked in an accident, so insurance on sports car can be higher.

While you can use all these tricks to get the cheapest car insurance in Missouri, your first step should always be to start your search online. With free quotes online, you can find the cheapest car insurance in MO. If you’re serious about getting the cheapest car insurance in Missouri, electing not to speak to any of the agents on your shortlist of companies should not be an option. While it’s easy to enter your information and get quotes online, an agent can answer all of your questions and even advice you on how much and what type of coverage will meet your needs.