Top 6 Ways to Pay Less on Car Insurance in Ensign

Consumers not familiar with buying insurance online might discover finding the cheapest Ensign car insurance nearly impossible.

compare Ensign car insurance rates

More discounts equal less premium

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply.

  • Lower Rates for Military - Being deployed with a military unit could be rewarded with lower premiums.
  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for a substantially lower rate.
  • Accident Forgiveness - Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Organization Discounts - Belonging to a qualifying organization may earn a discount when shopping for car insurance.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your premiums.

To choose insurance companies with discount car insurance rates in Kansas, click here.

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all have a common claim about savings if you change your coverage to them. How does each company make the same claim? This is how they do it.

Insurance companies have a certain "appetite" for the type of customer that makes them money. An example of a driver they prefer could be a mature driver, a clean driving record, and has great credit. Any new insured that hits that "sweet spot" is entitled to the best price and therefore will save when switching.

Consumers who do not match these standards will be quoted higher rates and this can result in business going elsewhere. The ads state "drivers who switch" not "everyone that quotes" save that much money. That is how companies can truthfully advertise the savings.

This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

It's not one size fits all

When buying proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Every insured's situation is different.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Additional Kansas consumer information

Additional information is available on the Kansas Insurance Department website. Click here for link. Consumers can find disaster information, file complaints about a company, and discover disciplinary actions.

Kansas car insurance

Do the work, save more money

Drivers leave their current company for any number of reasons including unfair underwriting practices, poor customer service, delays in responding to claim requests or even denial of a claim. It doesn't matter why you want to switch switching car insurance companies is easier than you think.

You just learned a lot of ways to save on car insurance. It's most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the best price on car insurance is with a lesser-known regional company.

Cheaper car insurance is attainable from both online companies as well as from independent agents in Ensign, and you need to price shop both to get a complete price analysis. There are still a few companies who don't offer online price quotes and these smaller companies work with independent agents.