Free Guide to Spending Less for Medicine Lodge Auto Insurance Online

Have you had enough of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other Kansas drivers.

Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices before your policy renews because prices are constantly changing. Just because you had the best price last year you can probably find a better price now. Block out anything you think you know about auto insurance because you're about to find out the proper way to find great coverage at a great price.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Medicine Lodge is easy if you know what you're doing. But Kansas drivers do need to know the methods companies use to sell insurance online and apply this information to your search.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate your rates.

Multiple policies with one company can save - Most companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to comparison shop to verify if the discount is saving money. You may still be able to find better rates by buying insurance from more than one company.
An active claims history can cost you - Insurance companies in Kansas provide cheaper rates to people who do not file claims often. If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
Do you know you're credit rating? - Your credit score is a large factor in your rate calculation. Therefore, if your credit history is lower than you'd like, you could save money insuring your by improving your credit score. People with excellent credit tend to be more responsible as compared to drivers with poor credit.
Your car's features help determine rates - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Don't sacrifice liability coverage - Liability insurance will protect you in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
No coverage gaps is important - Having an insurance coverage lapse is a guaranteed way to pay more for auto insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a steep fine or even jail time.
Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Your location affects your rates - Being located in a rural area has it's advantages when insuring your vehicles. Fewer drivers means a lower chance of having an accident. Drivers who live in large Kansas cities regularly have congested traffic and much longer commute distances. Higher commute times translates into higher accident risk.

Don't pay full price with these discounts

Companies offering auto insurance do not list every available discount in a way that's easy to find, so we took the time to find both well-publicized and the more hidden auto insurance savings.

Multi-policy Discount - If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
Air Bag Discount - Vehicles with factory air bags can qualify for discounts of more than 20%.
Payment Discounts - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Organization Discounts - Participating in a civic or occupational organization could qualify you for a break on your policy.
Use Seat Belts - Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
Low Mileage - Driving fewer miles can earn lower rates on the low mileage vehicles.
Lower Rates for Military - Having a deployed family member could mean lower rates.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Save over 55 - If you're over the age of 55, you may qualify for a small decrease in premiums.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So when the math indicates it's possible to get free car insurance, companies wouldn't make money that way.

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

The auto insurance bait and switch

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads say the same thing that you'll save big if you switch your coverage to them. How can each company make almost identical claims?

All companies can use profiling for the type of customer that makes them money. For example, a preferred risk could possibly be over the age of 40, is a homeowner, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will be charged higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" not "everyone that quotes" save that much money. That's why companies can claim big savings. That is why you should get a wide range of price quotes. It's impossible to know the company that will give you the biggest savings.

More detailed Kansas auto insurance information can be found at the Kansas Insurance Department website. Kansas consumers can read consumer alerts, download brochures, find out industry alerts, and view a list of available companies.

Shop smart and save

When trying to cut insurance costs, it's not a good idea to buy poor coverage just to save money. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

You just read many ways to save on auto insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a company that doesn't do a lot of advertising. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as .