5 Discounts Independence Consumers Forget when Quoting Car Insurance

Consumers who are new to the process of buying insurance online will discover shopping for low-cost Independence car insurance very challenging.

It's important to get comparison quotes occasionally since rates are constantly changing. If you had the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to find out one of the easiest ways to lower your rates without sacrificing coverage.

Independence car insurance quote

Finding Car Insurance in Independence, KS

The are a couple different ways to compare rate quotes from different Independence insurance companies. The best method to compare insurance prices is to get quotes online. This can be done in a couple of different ways.

  • The recommended way consumers can analyze rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate forms for each company you want a rate for. A single form will return price quotes from several companies.It's the quickest way to get rates.
  • A different way to shop for car insurance online consists of visiting the website for each individual company and request a quote. For instance, we'll pretend you want to compare , and . To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Independence, click here.
  • The least efficient method of comparing rate quotes is to spend your day driving to different Independence agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional advice that only a license agent can provide. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same deductibles and coverage limits with every price quote. If you are comparing different values for each quote it's not possible to find the best deal in Independence. Just a small difference in limits could mean much higher rates. And when quoting car insurance, remember that having more price comparisons will improve the odds of getting better pricing.

Policy discounts you shouldn't miss

Car insurance is not cheap, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be asked for prior to getting the savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Have your child take driver's ed class in high school.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.

Keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way. But any discount will reduce the amount you have to pay.

To see a list of providers with the best car insurance discounts in Independence, follow this link.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I really need UM/UIM coverage?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

For more Kansas car insurance information

More information can be found on the Kansas Insurance Department website located here. Consumers can find out industry alerts, read consumer alerts, and download brochures.