Tightwads Tips for Saving on Basehor Auto Insurance

I can't think of a single person who cherishes buying auto insurance, in particular when they are paying too much. You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around occasionally because prices are constantly changing. Just because you had the lowest price on your last policy the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to save money.

The purpose of this post is to introduce you to the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Kansas vehicle owners just need to know the proper way to compare prices online.

How much can you save with discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Some trigger automatically when you get a quote, but a few must be inquired about before you will receive the discount. If you're not getting every credit you qualify for, you're paying more than you need to.

Accident Forgiveness - Certain companies permit an accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Good Student - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Memberships - Participating in a qualifying organization could qualify you for a break on auto insurance.
Defensive Driver - Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Air Bag Discount - Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
Drive Less and Save - Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
Lower Rates for Military - Having a deployed family member could mean lower rates.
Discount for New Cars - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To see a list of companies offering auto insurance discounts in Kansas, follow this link.

Basehor Auto Insurance Quote Comparison

There are several ways to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in Basehor, or you can utilize online quoting to achieve your goal.

Many insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing based on the submitted data. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The single downside to doing it this way is you cannot specify which carriers you want pricing from. If you would rather choose specific insurance companies to compare rates, we have a page of low cost auto insurance companies in Kansas. Click here for list of insurance companies in Kansas.

Whichever way you use, make absolute certain that you use identical coverages and limits for each price quote. If each company quotes different deductibles it will be next to impossible to truly determine the lowest rate in Basehor.

Tips to Get Lower Basehor Rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

Listed below are a partial list of the pieces used by your company to calculate rates.

Are you male or female? - Statistics show that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. They both have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
High credit ratings translate to low rates - Credit score is a large factor in determining your rates. If your credit history is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with poor credit.
Careful drivers pay lower rates - Just one citation can bump up the cost by as much as thirty percent. Drivers who don't get tickets receive lower rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Marriage pays dividends - Having a wife or husband can actually save you money when buying auto insurance. It translates into being more mature than a single person and it's statistically proven that married couples file fewer claims.

How much car insurance do I need?

When choosing the best auto insurance coverage for your vehicles, there isn't really a cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from an agent's advice.

Does my policy cover me when driving someone else's vehicle?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Kansas?
Does my liability insurance cover pulling a trailer or camper?
Are rental cars covered under my policy?
Should I have combined single limit or split liability limits?
Can I rate high risk drivers on liability-only vehicles?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Kansas consumers can't get away from ads for cheaper car insurance from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing that you'll save big if you switch your coverage to them.

How does each company make almost identical claims?

All the different companies have a certain "appetite" for the type of customer that is profitable for them. For instance, a desirable insured could possibly be between 25 and 40, owns a home, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" but not "drivers who get quotes" save that much money. That is how companies can advertise the savings.

Because of the profiling, drivers must compare many company's rates. It's impossible to know which company will fit your personal profile best.

In the end, you save

Budget-conscious auto insurance is available online as well as from independent agents in Basehor, so you should compare both to have the best chance of lowering rates. There are still a few companies who don't offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, never reduce coverage to reduce premium. In many cases, an insured cut collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate.

You just read many ways to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the most savings is with a company that doesn't do a lot of advertising. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .

For more Kansas car insurance information

Much more information about auto insurance in Kansas is located on the website for the Kansas Insurance Department through this link. Kansas consumers can learn about insurance regulations, find out industry alerts, file complaints about a company, and get help finding coverage.