On July 22, 1865, one of the greatest shootouts in American history took place in Park Central Square in Springfield, when Wild Bill Hickok shot Davis Tutt, Jr. after a poker game. Hickok's exquisite marksmanship (he shot Tutt in the heart) made him a legend and put Springfield on the map. Of course, chances are that neither Tutt not Hickok had Springfield insurance. But if you live or work in Springfield, it's prudent to consider your insurance options. After all, the gusting winds here (according to the National Climatic Data Center, Springfield is just as windy as the "Windy City" of Chicago), and Springfield's reputation (per Forbes magazine) of being one of America's wildest weather cities suggest that strategically-minded Springfielders should move quickly to get appropriate coverage. The question is: how do you do so?
66 Reasons to Shop for Springfield Insurance Quotes for Your Car or Truck
Okay, we won't bore you with a full 66 reasons. But if you've spent any time driving Rt. 66 --which opened in Springfield in 1926 --you know that road coverage is essential. Truckers toting hauls to L.A. and local drivers stuffed with food from Red's Giant Hamburg alike pose potential road dangers. To make more informed decisions about Springfield insurance protection for your car, it helps to know the law. As of February 2010, Missourians needed bodily injury, property damage, and uninsured motorist coverage. For bodily injury, you needed $50,000 per accident and $25,000 per person. For property damage, you needed $10,000. According to 2007 numbers compiled by the National Association of Insurance Commissioners, Missourians paid an average of $658 per premium --less than the US average of $795. Breaking that down further: Missourians paid $370 for liability, $252 for collision and $144 for comprehensive.
To get your rates down further, consider applying for a good student discount (assuming you attend Drury University or Ozarks Technical Community College). If your daily commute consists of a few miles on Kearney Street or Glenstone Avenue, maybe you can qualify for a low mileage discount. Over the longer term, boost your credit score, clean up your driver's record and take a defensive drivers course to lower your rates.
Springfield Insurance Quotes for Homeowners
Springfield is just 80 miles from the population center of United States. 50% of the population of the U.S. lives within 500 miles of town. With so many people living nearby, you might expect that Springfield insurance quotes for homeowners would be sky high. But they are actually quite modest. According to a 2009 survey by the National Association of Insurance Commissioners (NAIC), for HO-3 packages, Missourians paid on average $726 --nearly $100 less than the average U.S. rate of $822. Renters also had it pretty good. They paid $154 on average for their premiums, compared with the US average of $182. This isn't to say that your new Springfield home --whether it be situated in the periphery of the Ozark Mountains or adjacent to the Discovery Center --will be a snap to insure. After all, Springfield is a magnet for all sorts of strange weather, including tornados, flashfloods, and thunderstorms. To get your Springfield insurance rates down, consider weatherproofing your home, installing security systems and smoke alarms, opting for a higher deductible, paying off more of your mortgage, and getting rid of dangerous equipment (such as trampolines), which might indicate to insurers that your property is a risky place to be. Over the longer term, get your credit score done, and plan construction to avoid adding what insurance companies might perceive to be liabilities.
You Need Not Come Down from the Ozarks to Compare Quality Quotes
Whether you live up in the hills or within a stone's throw of the Creamery Art Center, you can get quality Springfield insurance quotes with the help of NetQuote. Our service offers a two-fold advantage. First, it allows you to use one questionnaire to get quotes from five or more insurance companies. Second, NetQuote lets you compare insurers side-by-side to make a more educated choice about what coverage to acquire and what companies would best serve your needs.