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Do not drive an automobile in Missouri without proper auto insurance. If you drive any non-farm vehicle on a public road in Missouri without insurance you run the risk of severe penalties, including fines and the possible confiscation of your vehicle. In severe cases of repeat offenders jail time is a real possibility.

Nothing like that needs to happen if you will simply take the time to get the best rates possible on your automobile insurance here in Missouri.

Start by taking driver's ed if you're in school and maintaining a 'B' grade point average. Almost all automobile insurance companies in Missouri offer a Good Student Discount on auto insurance premiums. For those drivers over 55 years of age, talk to your insurance agent about taking a special drivers refresher course. Successfully passing such a course could save you up to 10% on your monthly premiums.

Maintain a clean driving record. Speeding and drinking and driving are not cool ' and if you get caught not only will the law come down hard on you, but your automobile insurance rates will climb through the roof, and you'll be 'paying the price' for years to come.

If you have other insurance policies, such as a homeowner's policy or a long term care policy, make sure that all of your policies are being written by the same insurance carrier ' most insurance companies in Missouri have a multi-policy discount that can save you money on your premiums.

If you've been insured by the same company for at least 3 years and you have a clean driving record, ask about a Good Driver Discount. Also, if you only drive a limited amount each week, ask about a Limited Mileage Discount.

Depending on the age and condition of your vehicle you may be able to drop some of your current coverage, such as comprehensive, saving quite a bit of money each year.

But the biggest area where you may be able to control how much you pay for automobile insurance is by increasing your deductible. The more you can pay out of your own wallet for each claim you make ' and the less that the insurance company has to pay ' then the lower your monthly automobile insurance premiums will be.

Now that you found every loophole you can use to lower your automobile insurance payments it's time to get online and get to work comparing auto policies and prices until you find one that's priced right for you. Don't make the rookie mistake of thinking that you only have to make comparisons on just one website ' every site compares a different universe of insurance companies so you need to make comparisons on at least three different websites before you'll know for sure that you've found the best rates on automobile insurance in Missouri.