Getting the Cheapest Luray Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say you are not the only one feeling buyer's remorse. Big-name insurance companies like GEICO and Progressive persitently shower you with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices at least once a year since rates are constantly changing. Just because you had the best rates a couple years back you will most likely find a better rate today. You'll find quite a bit of inaccurate information about car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

If you have insurance now or need a new policy, you can learn to find better prices and still get good coverage. Choosing the best insurance company for you in Luray is easy if you know what you're doing. Kansas vehicle owners just need to know the best way to find the lowest price online.

Don't pay full price with these discounts

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked about in order for you to get them. If you aren't receiving every discount possible, you are throwing money away.

Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Defensive Driver - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
Federal Government Employee - Active or retired federal employment can save as much as 8% with certain companies.
No Charge for an Accident - A handful of insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
Clubs and Organizations - Belonging to a civic or occupational organization could qualify you for a break on your policy.
Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
New Car Discount - Adding a new car to your policy is cheaper since new cars are generally safer.
Resident Student - Children living away from home attending college and do not have a car may be able to be covered for less.

Consumers should know that most credits do not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies don't profit that way. But all discounts will reduce your premiums.

The car insurance bait and switch

Consumers get pounded daily by advertisements that promise big savings by Allstate and Progressive. All the ads say the same thing that you'll save big if you switch to their company.

How can each company make the same claim?

All companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk could be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money which usually ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save that much. That's the way companies can advertise the way they do.

That is why you should compare many company's rates. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Much more information about car insurance in Kansas can be read on the website for the Kansas Insurance Department located here. Consumers can read consumer alerts, discover disciplinary actions, find out industry alerts, and download brochures.

Best coverage at the best price

As you go through the steps to switch your coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Discount car insurance is available from both online companies and also from your neighborhood Luray agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

You just learned a lot of information how to reduce car insurance prices online. The key thing to remember is the more quotes you get, the better chance you'll have of finding lower rates. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .