How to Know You're Spending Too Much for Auto Insurance in Bonner Springs

Overpriced auto insurance can overdraw your bank account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

How to Buy Bonner Springs Auto Insurance Online

Getting better auto insurance pricing is surprisingly easy. You just have to invest a little time comparing rates online from several insurance companies. This can be done in several different ways.

The first (and easiest) way to find low rates is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do repetitive form entry for each company. One form will get you rate comparisons direct from many companies.

A less efficient way to get quotes online requires you to visit the website of each company to request a price quote. For example, let's say you want comparison quotes from , and . You would have to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Bonner Springs, click here.

It's your choice how you get your quotes, but make darn sure you compare identical coverage information for each price quote. If you have unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate in Bonner Springs.

Tips to Get Lower Bonner Springs Rates

It's important that you understand the different types of things that help determine auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The following are a few of the "ingredients" used by your company to calculate prices.

Theft deterrents lower rates - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Older drivers save more - Teenage drivers in Kansas are known to be careless and easily distracted when driving so they pay higher auto insurance rates. Adding a youthful driver onto a policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
Men pay higher rates - Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into accidents in similar percentages, but the men have costlier accidents. Men also statistically receive more costly citations like reckless driving and DUI. Young males are several times more likely to be in an accident and thus pay the highest rates.
Extra coverages can waste money - There are a ton of add-on coverages that can waste your money if you aren't careful. Coverages for roadside assistance, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so eliminate them to save money.
More miles equals more premium - Driving more miles in a year's time the higher your rate. Almost all companies price each vehicle's coverage based on their usage. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Verify your auto insurance coverage shows the proper vehicle usage.

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but less common discounts must be manually applied before you will receive the discount. If you're not getting every credit you deserve, you're just leaving money on the table.

Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
Distant Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Senior Discount - Older drivers may be able to get a small decrease in premiums.
Driver Safety - Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
New Vehicle Savings - Insuring a new car can save up to 30% compared to insuring an older model.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will bring down your overall premium however.

For a list of insurance companies who offer auto insurance discounts in Kansas, click here to view.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions may help you determine if your situation might need an agent's assistance.

What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in Bonner Springs?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?
Who is covered when they drive my vehicle?
Do I have coverage when using my vehicle for my home business?
Can I rate high risk drivers on liability-only vehicles?
Should I have combined single limit or split liability limits?

If you're not sure about those questions, you may need to chat with an insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

More information can be found on the website for the Kansas Insurance Department through this link. Kansas drivers can view a list of available companies, read enforcement actions against agents and companies, learn about insurance regulations, and discover disciplinary actions.

And the best car insurance company is...

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. There have been many situations where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

Affordable auto insurance can be bought on the web as well as from independent agents in Bonner Springs, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don't offer online quoting and these regional insurance providers work with independent agents.