10 Tricks to Save on Car Insurance in Gardner, KS

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse.

Numerous battle for your hard-earned dollar, so it can be very hard to choose a and get the best coverage at the lowest price

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates in Gardner is not that difficult. Although Kansas car owners do need to know the methods companies use to compete online.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

Clubs and Organizations - Belonging to certain professional organizations is a good way to get lower rates when buying car insurance.
Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
Auto/Home Discount - If you have multiple policies with one insurance company you may save at least 10% off all policies.
No Claims - Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
Homeowners Discount - Owning a home in Gardner can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

How can Allstate, GEICO and Progressive save drivers who switch?

Allstate, GEICO and Progressive continually stream ads on television and other media. All the companies make an identical promise about savings after switching your policy. How do they all make the same claim?

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a profitable customer could be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile must pay higher prices and ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That's the way companies can truthfully advertise the way they do. This illustrates why drivers should get as many quotes as possible. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

Even more information can be read at the Kansas Insurance Department website. Consumers can find out which companies have the most complaints, discover disciplinary actions, read enforcement actions against agents and companies, and report car insurance fraud.

The best insurance company isn't always the cheapest

The cheapest car insurance can be bought from both online companies in addition to many Gardner insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In too many instances, an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.