Compare Newton Auto Insurance Prices With These Tips

Are you intimidated by the dozens of auto insurance choices in Newton? You're not the only one! Drivers have so many choices that it can turn into a ton of work to locate the lowest price.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some discounts apply automatically at quote time, but a few must be asked for in order for you to get them.

Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Clubs and Organizations - Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
Low Mileage Discounts - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Safety Course Discount - Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
Save over 55 - If you qualify as a senior citizen, you may receive a discount up to 10%.

Keep in mind that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, it just doesn't work that way. But any discount will cut your overall premium however.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to better auto insurance rates.

Lower rates with optional equipment - Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage when a court rules you are at fault for damages caused by your negligence. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
Safer occupants lowers premiums - Safer cars are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you.
Extra coverages can waste money - There are quite a few extra coverages that can waste your money on your auto insurance policy. Coverages like roadside assistance, accident forgiveness and membership fees are examples of these. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
Males pay more for insurance - Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn't mean men are WORSE drivers than women. Men and women tend to get into accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving.
Small claims can cost you - Companies in Kansas provide better rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is designed for the large, substantial claims.

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all say the same thing that you can save if you change your policy. How do they all make almost identical claims? It's all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. For instance, a driver they prefer could possibly be over the age of 50, has no driving citations, and drives newer vehicles. A driver who fits that profile receives the best rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "people who quote" save that kind of money. That's the way insurance companies can claim big savings.

This emphasizes why drivers should quote coverage with many companies. It is impossible to predict which auto insurance company will give you the biggest savings.

More information is located on the Kansas Insurance Department website found here. Kansas consumers can view a list of available companies, find out which companies have the most complaints, and find disaster information.

Do the work, save more money

Consumers leave their current company for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests and even denial of a claim. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

Affordable auto insurance can be sourced online in addition to many Newton insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage and learned later that it was a big mistake. The proper strategy is to buy enough coverage at the best price while still protecting your assets.