6 Discounts Perry Drivers Forget when Buying Car Insurance

Consumers who are new to the process of buying insurance online might discover shopping for low-cost Perry car insurance quite challenging.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. The purpose of this post is to introduce you to the most effective way to quote insurance. Although Kansas car owners do need to know the way companies determine prices.

compare Perry car insurance rates

Take advantage of discounts

Car insurance companies don't list every discount in a way that's easy to find, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • Military Rewards - Being on active duty in the military can result in better rates.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in high school.
  • Federal Employees - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you won't be that lucky.

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

Finding Car Insurance in Perry, KS

There are several ways to compare rate quotes from different Perry insurance companies. The recommended way to find the cheapest insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quotes to each individual car insurance company. A single form will return price quotes instantly.It's the quickest way to get rates.

A different way to compare rate quotes consists of visiting the website of each company to complete a price quote. For instance, let's say you want to compare , and . To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular.

To view a list of companies in Perry, click here.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same deductibles and coverage limits for every company. If you use different values for each quote it's not possible to decipher which rate is best in Perry. Quoting even small variations in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes will improve the odds of getting better pricing.

How to know if you need help

When it comes to choosing coverage for your vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether your personal situation might need an agent's assistance.

  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

The best insurance company isn't always the cheapest

People who switch companies do it for a number of reasons such as unfair underwriting practices, policy non-renewal, extreme rates for teen drivers and policy cancellation. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

When shopping online for car insurance, it's a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

The cheapest car insurance is possible from both online companies and with local Perry insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and these small insurance companies work with independent agents.