Compare Oakley Auto Insurance Prices With These Tricks

Are you intimidated by the number of auto insurance options in Oakley? Lot's of other consumers are too. People have so many choices that it can turn into a big hassle to locate the lowest price.

It's important to compare prices every six months because prices are constantly changing. If you had the best deal two years ago you may be paying too much now. So block out anything you think you know about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Buying affordable auto insurance coverage in Oakley is simple if you know the tricks. In a nutshell, every driver who has to buy auto insurance stands a good chance to be able to reduce their rates. Nevertheless, Kansas consumers do need to know the way insurance companies market on the web and take advantage of how the system works.

How to Compare Auto Insurance in Oakley, Kansas

Shopping for lower auto insurance rates can be a daunting task if you don't know the most efficient way to do it. You could spend your day driving to insurance agencies in Oakley, or you could save time and use the web to get the quickest rates.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and each company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is you are unable to specify which companies to receive prices from. If you prefer to choose individual companies to compare, we have a listing of auto insurance companies in Kansas. View list of Kansas insurance companies.

It's your choice how you get your quotes, but ensure you are comparing apples-to-apples coverages with every price quote. If you have different limits and deductibles on each one it will be impossible to find the best deal in Oakley. Quoting even small variations in coverage limits can result in a big premium difference. Just remember that comparing a large number of companies provides better odds of finding lower pricing.

Oakley auto insurance comparison

How to Lower your Auto Insurance Rates

It's important that you understand 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 determines base rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Older drivers save more - Youthful drivers in Kansas tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Protect yourself with liability coverage - The liability section of your policy provides coverage if ever you are found liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • You might want pay the small claims yourself - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies in Kansas award discounts to policyholders who do not file claims often. Car insurance is intended for the large, substantial claims.
  • Multi-policy discounts can save money - The majority of insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to verify if the discount is saving money. Consumers may find a better deal by buying auto insurance from a different company.
  • Pay less after the wedding - Being married actually saves money on your policy. It translates into being more mature and responsible and it's proven that being married results in fewer claims.
  • 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 citation can bump up the cost forty percent or more. Drivers who have severe citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to getting the savings.

  • Senior Citizens - Older drivers can possibly qualify for a small decrease in premiums.
  • Club Memberships - Being a member of a professional or civic organization is a good way to get lower rates on auto insurance.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Sign Online - Some insurance companies may give you up to $50 simply for signing online.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Save with a New Car - Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.

It's important to understand that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies with the best auto insurance discounts in Kansas, click here to view.

Additional auto insurance information is available on the Kansas Insurance Department website located here. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, and download brochures.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Oakley.

Final considerations

When buying insurance coverage, do not reduce needed coverages to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at a price you can afford.

Low-cost auto insurance is definitely available both online as well as from independent agents in Oakley, and you need to price shop both to have the best rate selection. Some insurance companies don't offer online quoting and most of the time these smaller companies sell through independent agents.

People who switch companies do it for a number of reasons such as not issuing a premium refund, questionable increases in premium, extreme rates for teen drivers and policy cancellation. Regardless of your reason, choosing a new insurance company is not as hard as you think.