Top Ways to Save on North Newton Auto Insurance

Having to pay for overpriced auto insurance can overdraw your checking account and make it impossible to make ends meet. Comparing price quotes is a smart way to help make ends meet.

Drivers have so many to buy insurance from, and even though it's nice to have a choice, too many choices makes it more difficult to compare rates.

It's important to compare prices on a regular basis because prices are constantly changing. Even if you got the lowest price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because we're going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Finding affordable coverage in North Newton is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, Kansas drivers do need to know the way companies price insurance differently because it can help you find the best coverage.

Auto Insurance Prices in North Newton, Kansas

The are a couple different ways of comparing price quotes from local North Newton auto insurance companies. The recommended way to find competitive insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form entry for each company you want a rate for. One form submission gets rate comparisons direct from many companies.

A more difficult way to shop for auto insurance online is spending the time to visit the website for each individual company to complete their respective quote request forms. For examples sake, we'll pretend you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in North Newton, click here.

Whichever way you use, ensure you are comparing identical information on every quote you get. If you use higher or lower deductibles it's not possible to determine which rate is truly the best in North Newton. Just a small difference in coverage limits can result in a big premium difference. Just remember that comparing a large number of companies helps locate the best price.

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that help determine the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate rates.

Rate your vehicle for proper use - Driving more miles in a year's time the more you will pay for auto insurance. Almost all companies apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Marriage pays dividends - Having a wife or husband can get you a discount when buying auto insurance. It translates into being more mature and responsible and it's proven that married drivers get in fewer accidents.
More people means more accidents - Residing in small towns and rural areas can be a good thing when insuring your vehicles. City drivers have to deal with much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
Older drivers save more - Teen drivers in Kansas are known to be more careless when driving so they pay higher auto insurance rates. Parents adding a teen driver onto a policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Protect yourself with liability coverage - Liability coverage is the protection if ever a court rules you are at fault for personal injury or accident damage. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
Do men or women drive better? - Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list all their discounts very clearly, so we researched both well-publicized as well as the least known auto insurance savings.

Discount for Life Insurance - Larger companies have a discount if you purchase life insurance.
Accident Waiver - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
Save over 55 - Older drivers may be able to get a small decrease in premiums.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
Sign Online - A few companies will discount your bill up to fifty bucks simply for signing over the internet.
Good Student Discount - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Club Memberships - Participating in a qualifying organization could qualify you for a break on auto insurance.

It's important to understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way.

For a list of companies who offer auto insurance discounts in Kansas, follow this link.

More tips and info about auto insurance is located at the Kansas Insurance Department website. Kansas consumers can file complaints about an insurance agent or broker, get help finding coverage, view agent and company licensing information, and read enforcement actions against agents and companies.

Final considerations

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

Low-cost auto insurance can be purchased online as well as from independent agents in North Newton, and you should compare price quotes from both to have the best selection. Some insurance providers don't offer online quoting and most of the time these small, regional companies sell through independent agents.

You just read many ways to lower your auto insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from the least-expected company. Smaller companies can often provide lower rates in certain areas compared to the large companies like .