Easy Methods to Pay Less on Greeley Auto Insurance

Price shopping your Greeley auto insurance is challenging for consumers not familiar with buying insurance online. People have so many choices that it can be more work than you anticipated to compare prices in Greeley.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Even if you got the best deal six months ago you can probably find a better price now. So forget all the misinformation about auto insurance because it's time to teach you the only way to find lower rates on auto insurance.

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. This article will let you in on how car insurance quotes work and some tricks to saving. Although Kansas vehicle owners do need to know the methods companies use to price online insurance and take advantage of how the system works.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. Understanding what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

Listed below are some of the factors auto insurance companies consider when setting your rates.

Poor credit can mean higher rates - Your credit score is a important factor in your rate calculation. If your credit is lower than you'd like, you could save money insuring your by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
Frequent auto insurance claims increase rates - Insurance companies in Kansas provide better rates to insureds who are claim-free. 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.
Do you qualify for a multi-policy discount? - Most companies give discounts to people who consolidate policies with them. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to comparison shop to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
Special features that cut premiums - Driving a car with an alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Your spouse saves you money - Being married can actually save you money when buying auto insurance. Marriage means you're more responsible and it's proven that drivers who are married are more cautious.
Battle of the sexes - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that men are worse drivers. Women and men are in accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
Traffic citations inflate rates - Your driving record impacts your car insurance rates tremendously. Even a single speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with the DMV in their state in order to continue driving.

These discounts can lower your rates

Companies offering auto insurance don't always advertise every available discount in an easy-to-find place, so here is a list some of the best known as well as the least known auto insurance savings.

Passive Restraint Discount - Vehicles with factory air bags can get savings of 20% or more.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Low Mileage - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Payment Discounts - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
E-sign - Certain companies give back up to $50 for buying your policy on their website.
One Accident Forgiven - A few companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

To choose providers offering auto insurance discounts in Greeley, follow this link.

Are you falling for claims of savings?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you switch to their company. How do they all say the same thing?

All companies can use profiling for the driver that makes them money. An example of a preferred risk might be profiled as over the age of 40, is a homeowner, and has a high credit rating. A propective insured who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be charged a higher premium which usually ends up with business not being written. Company advertisements say "customers that switch" not "everybody who quotes" save that much. That's why companies can truthfully state the savings. That is why you should get a wide range of price quotes. It's not possible to predict the company that will have the lowest rates.

Learn more today

Even more information is available at the Kansas Insurance Department website. Kansas drivers can find out industry alerts, download brochures, and read consumer alerts.

Final considerations

In this article, we covered a lot of tips how to save on auto insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even discover the lowest premiums are with the least-expected company.

Consumers switch companies for a number of reasons such as poor customer service, extreme rates for teen drivers, policy non-renewal or even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.