6 Tips to Save on Car Insurance in Eudora

Comparison shopping for Eudora car insurance is difficult for people who are new to buying insurance online. People have so many options that it can be a real challenge to find lower rates in Eudora.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Despite the fact that you may have had the lowest rates six months ago there may be better deals available now. So just forget all the misinformation about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.

Kansas car insurance

Policy discounts you shouldn't miss

Car insurance companies don't list every available discount very well, so we break down both the well known and the harder-to-find savings tricks you should be using.

  • Passive Restraints and Air Bags - Vehicles with factory air bags can receive discounts of 20% or more.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Good Students Pay Less - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Multi-policy Discount - When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with certain companies.

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, car insurance companies aren't that generous.

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

How to Compare Car Insurance Costs in Eudora

The are a couple different ways to get quotes and find the best price. The recommended way to compare insurance prices consists of shopping online. This can be accomplished in several different ways.

One of the best ways to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form keeps you from doing boring form submissions for each company. Taking the time to complete one form will get you rate comparisons from all major companies. Just one form and you're done.

A more time consuming way to shop for car insurance online requires you to visit each company website and complete a new quote form. For instance, let's say you want rates from , and . You would have to go to every website and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Eudora, click here.

The least recommended way to get comparison rates is to drive around to insurance agents' offices. The internet makes this process obsolete unless you have a need for the trained guidance of a licensed agent. However, consumers can compare online quotes but buy from a local insurance agent and we'll cover that in a bit.

It's up to you which method you use, but double check that you are using apples-to-apples coverage information on every quote. If you are comparing unequal deductibles or liability limits you will not be able to make a fair comparison in Eudora. Quoting even small variations in coverages can mean a large discrepancy in price. It's important to know that more quotes gives you a better chance of getting the best offered rates.

Shop smart and save

We just covered some good ideas how you can get a better price on car insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a lesser-known regional company.

People change insurance companies for any number of reasons including poor customer service, unfair underwriting practices, not issuing a premium refund and high prices. No matter why you want to switch, switching car insurance companies is not as hard as you think.

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.