Easy Methods to Spend Less on Lewis Auto Insurance

Finding lower premiums on Lewis auto insurance is hard for consumers not familiar with comparison shopping online. Drivers have so many companies to choose from that it can turn into more work than you anticipated to find the best price in Lewis.

It's important to shop coverage around once or twice a year because prices are constantly changing. If you had the lowest price last year you can probably find a better price now. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to quit paying high auto insurance rates.

This information will instruct you on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. But Kansas consumers do need to know the way insurance companies market on the web because it can help you find the best coverage.

Tips to Get Lower Lewis Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces used by your company to calculate rates.

Rate your vehicle for proper use - The more you drive every year the more you will pay for auto insurance. Almost all companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
Claim-free discounts can add up - If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Kansas award discounts to people who do not file claims often. Your insurance policy is intended for major claims that would cause financial hardship.
Bundling policies can get discounts - The majority of insurers will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Cautious drivers pay less - Your driving citation history has a big impact on rates. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. Even one ticket can bump up the cost by twenty percent. Drivers who have severe citations like DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
Men fork out a little more - The statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
Don't cancel a policy without a new one in place - Driving without insurance is against the law and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance may earn you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Kansas motor vehicle department.

Take advantage of discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked for before you will receive the discount.

Save with a New Car - Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Driver's Ed - Cut your cost by having your teen driver complete a driver education course in high school.
Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Sign Online - A few companies may give you up to $50 for buying a policy and signing up online.
Drive Less and Save - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
Lower Rates for Military - Being on active duty in the military can result in better rates.
Passive Restraint Discount - Factory air bags can receive discounts of more than 20%.
Defensive Driving Course - Successfully completing a defensive driving course could save 5% or more if your company offers it.
Senior Citizens - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.

Drivers should understand that most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will help reduce your overall premium however.

To choose companies with the best auto insurance discounts in Kansas, click here to view.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to make an identical promise that you'll save big if you move your coverage to them. But how can every company claim to save you money?

Insurance companies can use profiling for the type of customer that makes them money. For instance, a desirable insured might be a mature driver, has no tickets, and has great credit. A customer getting a price quote who meets those qualifications will get the preferred rates and most likely will save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay higher premiums and ends up with the customer not buying. The ads state "customers that switch" not "people who quote" save that much money. That's why companies can advertise the savings.

Because of the profiling, you should compare many company's rates. It's impossible to know the company that will give you the biggest savings.

More Kansas auto insurance information

Much more information about auto insurance in Kansas is located on the Kansas Insurance Department website located here. Visitors are able to file complaints about an insurance agent or broker, download brochures, and read consumer alerts.

Other informative sites include Auto Insurance 101 and this page where you can research Lewis insurance agents.

Affordable insurance is out there

As you prepare to switch companies, do not buy poor coverage just to save money. In many instances, an insured dropped collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford.

People who switch companies do it for a number of reasons such as delays in paying claims, extreme rates for teen drivers, policy cancellation or even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is easier than you think.

Budget-conscious auto insurance is definitely available both online as well as from independent agents in Lewis, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and most of the time these small, regional companies sell through independent agents.