How Not to Choose Car Insurance in Missouri

There are many articles out there telling you how to purchase car insurance in Missouri.  However, what you should NOT do when purchasing insurance is just as important.  I hope the following list of things you should not do is helpful and that you learn a few things you should avoid when purchasing a car insurance policy.1. Don't buy a policy just because it's the lowest price.  You must also consider the customer service, claims payments, and financial security of the company you're considering.  It's obviously wonderful to save money on your car insurance but it does no good if you have trouble with your claim or can't reach the company when you have a questions.2. Don't choose an insurance company merely because they are popular or have a lot of commercials on television.  In my opinion the best way to get a great rate is by visiting an independent agent who can submit your information to multiple companies.  This is not to imply that a large carrier may not be your best bet, but like all consumer products you should always shop around before purchasing.3. Don't cancel your current policy before your new policy is in effect.  There are many reasons why an insurance quote may go up after the agent has provided you with the initial insurance comparison.  For instance, perhaps there's a ticket or accident you forgot about or maybe the insurance company has run a credit check which returns negative information.  Whatever the reason, you want to make sure that your new coverage is acceptable before canceling your current policy.4. Don't choose your car insurance based upon the flashiest or most memorable television ads.  There are many options for purchasing car insurance in Missouri but you should never purchase coverage without doing thorough research and it's very important that you not rush through the research process.  One great way to receive multiple insurance quotes without spending a great deal of time is by using an independent insurance broker.5. Don't purchase a policy if you don't understand exactly what you are buying.  While your insurance agent should know a great deal about car insurance you should never assume that he or she knows everything.  You must always act as your own advocate when it comes to your insurance.These are just a few of the many tips you should consider when purchasing your car insurance in Missouri.  Just remember to take your time, do your research, and ask questions if you do not understand something.  The most important rule to follow is that you should always leave the insurance office confident that you know what you are purchasing.  If not, ask more questions.