How to Know You're Spending Too Much for Auto Insurance in Rossville

Expensive auto insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Numerous battle to insure your vehicles, and because of this it can be hard to compare to discover the definitive lowest rate

It's important to compare rates quite often because prices are constantly changing. If you had the lowest rates on your last policy there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

You have some control over your rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Big city or small town - Residing in a small town can be a good thing when talking about auto insurance. Lower population translates into fewer accidents. City drivers have much more traffic to deal with and longer commute times. More time commuting means more change of being in an accident.
Men fork out a little more - Statistics have proven that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. Men and women tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
Rates may be higher depending on your occupation - Jobs such as lawyers, architects and accountants tend to have higher rates than average in part from high stress levels and long work hours. On the flip side, professions such as pilots, athletes and the unemployed receive lower rates.
Policy add-ons can waste money - There are a lot of add-on coverages that you can buy when buying auto insurance. Coverages like roadside assistance, towing coverage and term life insurance are examples of these. These may sound like a good investment when talking to your agent, but if they're wasting money get rid of them and save.
Marriage brings a discount - Having a spouse actually saves money when buying auto insurance. It means you're more responsible it has been statistically shown that married drivers get in fewer accidents.

Low Cost Rossville Auto Insurance

Reducing your insurance rates can be relatively painless. You just have to take a few minutes comparing rates provided by online insurance companies. This is very easy and can be done in several different ways.

The fastest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quote forms for each company. One form gets you coverage quotes from many national carriers.
A slightly less efficient method to get quotes online consists of going to the website for each individual company and complete a new quote form. For example, let's say you want comparison quotes from , and . You would have to visit each site to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in Rossville, click here.
The least efficient way of comparing rate quotes is to drive around to insurance agents' offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a licensed agent. You can, however, find lower rates online and still use a local agent. We'll cover that shortly.

Which method you use is up to you, but make darn sure you compare the exact same coverages on every quote. If you have different limits and deductibles on each one it will be very difficult to make a fair comparison in Rossville.

Save big with these discounts

Car insurance companies don't list all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find auto insurance savings. If they aren't giving you every credit you deserve, you are paying more than you should be.

Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
Senior Citizens - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
No Accidents - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.
Drive Less and Save - Keeping the miles down can earn lower rates on the low mileage vehicles.
Accident Waiver - A few companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
Bundle and Save - If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, auto insurance companies aren't that generous.

To choose companies with the best auto insurance discounts in Rossville, follow this link.

Auto insurance ads bend the truth

Consumers in Kansas can't ignore all the ads for car insurance savings by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move to their company.

How do they all claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. For example, a desirable insured might be over the age of 50, insures multiple vehicles, and has great credit. A customer getting a price quote who fits that profile will get very good rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will have to pay higher rates which usually ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. This is how companies can truthfully advertise the savings. Because of the profiling, you need to get as many comparisons as possible. It's impossible to know which insurance companies will fit your personal profile best.

But I don't know anything about car insurance

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone's situation is unique and a cookie cutter policy won't apply. These are some specific questions may help you determine if your situation may require specific advice.

When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?
Is my vehicle covered for flood damage?
I have good health insurance, so how much medical payments coverage do I need?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Even more information can be found at the Kansas Insurance Department website. Visitors are able to view agent and company licensing information, learn about insurance regulations, read industry bulletins, and discover disciplinary actions.

In the end, you save

When you buy insurance online, you should never reduce coverage to reduce premium. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest price.

Cheap auto insurance is definitely available both online and also from your neighborhood Rossville agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.