If you live in Joplin, MO or any of its surrounding suburbs and own a car, then you need minimum liability auto insurance. If you’re like most people, you want the cheapest car insurance you can find that provides the coverage you need.

By knowing some of the things that cause auto insurance to be so expensive, you can make some changes to your lifestyle and look for certain things to ask your current auto insurance carrier.

1. Not all auto insurance companies offer the cheapest auto insurance

They can’t be – it’s just logical, right? The insurance companies that have multiple ads on television are probably not going to offer the cheapest car insurance. They need to pay for the overhead. Regardless of what they may claim, it also is dependent on the individuals and the cars as to how cheap auto insurance will be. Where you live can make a difference, as well. If you live in Joplin, Lenexa, Leawood, or Shawnee areas, your coverage will be less expensive than your cousin living in Dallas, Texas or New York City.

2. Stay close to home-grown auto insurance companies

Simply because they are the big names in insurance like Allstate, Geico, Progressive and State Farm, doesn’t mean they are better than the less known names. Chances are, using the services of a Joplin area company, you’ll have an even better experience with the customer service aspect.

3. They don’t give discounts automatically

Even though insurance companies have them, they won’t necessarily offer them right up front. What are we talking about? Discounts. Some of the discounts you need to ask about are bundled insurance, multiple cars, paying in advance, improved credit score and online bill paying.

4. Full coverage is nice but not always necessary

If your car is paid for or is an older car, you probably don’t need full coverage. While it is nice to have, it is also expensive. Talk to your agent and they can review your situation and advise you.