Penalties for driving without car insurance in Missouri are too large so that the risk is worth. The risk of losing your driver’s license, having confiscated his car, or even spend time in jail. And if you are in an accident and found to have no insurance penalties can be even worse.

This puts many people with limited income in a difficult situation. They have to drive a car, but the cost of auto insurance can be through the roof. There is no way to reduce the cost of car insurance in Missouri?

Well, there are some things you can do.

Start always drive defensively and obey traffic laws. Being involved in an accident, especially if it is more than an accident within 12 months, it can cause your monthly premiums increase.

Tickets for speeding and driving convictions intoxicated or impaired cause your premiums to skyrocket for several years. Do not drink and drive – ever.

Fortunately, there are several proactive things you can do to actually reduce the cost of your car insurance.

First, if you are under 25 years old and still in school, stay there and get good grades. In most cases, students who maintain a “B” grade point average receive a good student discount on your car insurance.

If you are 55 years or older to talk to your insurance agent car to take refresher course special driver. The successful completion of these courses will reduce the monthly car insurance premium by up to 10%, with many insurance companies.

The type of car you drive and the value of the car you drive has a lot to do with how much your car insurance costs. A flashy sports car can boost your ego, but will not do much for your wallet when it’s time to pay the monthly insurance premium comes. Similarly, the more expensive your car – and therefore more cost to repair or replace in case of an accident – the higher your monthly payment will be your insurance.