Proven Techniques to Save on Clay Center Auto Insurance

Are you tired of not being able to afford each month for car insurance? You're in the same situation as many other Kansas consumers.

With consumers having so many choices of insurance companies, it can be challenging to choose the right car insurance company.

Finding the best rates in Clay Center is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Nevertheless, Kansas vehicle owners do need to know how companies sell insurance online and take advantage of how the system works.

Comparison of Auto Insurance in Clay Center

Most major insurance companies quote coverage price quotes online. Getting online quotes is fairly simple as you simply type in as detailed in the form. Behind the scenes, their system will obtain your driving and credit reports and gives you a price quote based on many factors. This streamlines rate comparisons, but the process of having to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to get many rate quotes if you are searching for better auto insurance pricing.

A less time-consuming method to lower your auto insurance bill requires only one form to obtain quotes from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much easier to do. After sending the form, it is quoted and you can choose any or none of the returned quotes. If a lower price is quoted, you can click and sign and purchase the new policy. It only takes a few minutes and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it's recommended you replicate deductibles and limits identical to your current policy. This way, you will be getting a fair comparison based on similar coverages.

Tips to Get Lower Clay Center Rates

It's important that you understand some of the elements that go into determining auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Listed below are some of the factors used by your company to calculate prices.

Always keep insurance in force - Having an insurance coverage lapse is a guaranteed way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage will get you a steep fine or even jail time.You may need to file a SR-22 with the Kansas department of motor vehicles.
Too many auto insurance claims drive up costs - Companies in Kansas provide discounts to policyholders who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
What type of vehicle do you drive? - The make and model of the car you are buying insurance for makes a significant difference in how high your rates are. The lowest rates are for small economy passenger vehicles, but there are many factors that impact the final cost.
High credit ratings translate to low rates - Having a bad credit score is a important factor in your rate calculation. If your credit is lower than you'd like, you could be paying less to insure your by improving your rating. People with high credit scores tend to be more responsible than drivers with poor credit.
Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Careers like doctors, architects and stock brokers have the highest rates because of job stress and lengthy work days. On the other hand, occupations such as farmers, students and homemakers get better rates.
Do you need the policy add-ons? - There are many extra bells and whistles that can waste your money if you aren't careful. Things like rental car reimbursement, accident forgiveness and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
Marriage brings a discount - Being married can actually save you money when buying auto insurance. Having a significant other translates into being more mature and responsible and it's proven that drivers who are married are more cautious.
Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men are in accidents at about the same rate, but the men cause more damage. Men also statistically get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.

These discounts can lower your rates

Auto insurance companies don't list every discount very well, so here is a list some of the best known as well as the least known auto insurance savings.

Use Seat Belts - Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
Employee of Federal Government - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
Early Signing - Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
Passive Restraint Discount - Cars that have air bags can receive discounts of up to 25% or more.
Claim Free - Claim-free drivers can earn big discounts when compared to frequent claim filers.
Low Mileage Discounts - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Paperwork-free - Certain companies give back up to $50 simply for signing online.
One Accident Forgiven - Some insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.

Consumers should know that most credits do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, companies don't profit that way.

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

More tips and info about auto insurance is available at the Kansas Insurance Department website. Kansas drivers can find a variety of consumer forms, download brochures, learn about specific coverages, and find out industry alerts.

Other useful links include this site for auto insurance information in Kansas and this list of agents in Clay Center, KS.

Final considerations

Throughout this article, we presented a lot of information how to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small local company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

Cost effective auto insurance is available on the web as well as from independent agents in Clay Center, so you should compare both to have the best rate selection. Some insurance providers don't offer online quoting and these smaller companies work with independent agents.