7 Discounts Bucklin Shoppers Forget when Buying Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, you're not the only one.

There are many to pick from, and even though it's nice to be able to choose, it makes it harder to compare rates.

This article will help educate you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But Kansas consumers do need to know the methods companies use to determine prices and apply this information to your search.

compare Bucklin car insurance rates

How to Compare Car Insurance in Bucklin, Kansas

All major car insurance companies like State Farm, Allstate and GEICO give prices for coverage online. Getting quotes is fairly straightforward as you simply type in the coverages you want as detailed in the form. After the form is submitted, the system will obtain your driving record and credit report and provides a quote based on these and other factors. This makes comparing rates easy, but the work required to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it's very important to have as many quotes as possible in order to get better car insurance pricing.

The preferred way to lower your rates is to use a quote form that gets prices from many companies. The form is fast, requires less work, and makes rate comparisons much easier. After sending your information, your coverage is rated and you are able to buy any one of the resulting price quotes.

If you find a better price you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you replicate the insurance coverages just like they are on your policy. This makes sure you will have a rate comparison for the exact same coverage.

These seven discounts can lower your rates

Insuring your fleet can be pricey, but there are discounts available to help offset the cost. Most are applied when you complete an application, but a few need to be inquired about before they will apply.

  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Passive Restraints - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Accident Free - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Homeowners Discount - Simply owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Distant Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.

Drivers should understand that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

To choose insurance companies with the best car insurance discounts in Kansas, click here to view.

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on television and other media. They all make an identical promise that you'll save big if you move to them. How does each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer might be over the age of 40, has no driving citations, and has great credit. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher rates and ends up with the customer not buying. Company advertisements say "customers who switch" not "everybody who quotes" save money. That's the way companies can advertise the savings.

This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

Much more information about car insurance in Kansas can be found on the website for the Kansas Insurance Department found here. Visitors are able to view a list of available companies, find out which companies have the most complaints, view agent and company licensing information, and find out industry alerts.

Other informative sites include this site for car insurance rates in Kansas and this list of insurance agents in Bucklin, KS.

Shop smart and save

Budget-conscious car insurance is possible both online and with local Bucklin insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent agents.

When you buy insurance online, make sure you don't reduce coverage to reduce premium. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.