Car Insurance in Selden - 7 Discounts to Save Money

Scraping up a payment for overpriced car insurance can dwindle your checking account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. With consumers having so many different company options, it can be diffult for consumers to find the most affordable provider.

It's important to compare prices on a regular basis since rates are constantly changing. Even if you got the best deal a year ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

Finding affordable coverage in Selden is easy if you know what you're doing. If you are paying for car insurance now, you will most likely be able to save some money using this information. Kansas vehicle owners just need to know the proper way to compare rates over the internet.

Selden car insurance comparison

Selden Car Insurance Prices Online

Reducing your insurance rates doesn't have to be difficult. Consumers just need to take time comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions to each individual car insurance company. One form submission gets rate comparisons from multiple companies.
  2. A different way to shop for car insurance online is spending the time to visit each company's website to complete a price quote. For sake of this example, we'll pretend you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in Selden, click here.
  3. The least recommended way to get comparison rates is driving around to different Selden agent offices. Buying insurance online eliminates the need for an insurance agent unless you want the personal advice only provided by licensed Selden agents. However, consumers can find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

It's your choice how you get your quotes, but ensure you are comparing apples-to-apples information for every company. If you enter higher or lower deductibles you can't possibly decipher which rate is best in Selden.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts very well, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If you don't get every credit you deserve, you are paying more than you should be.

  • College Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Accident Waiver - Some insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
  • Bundle and Save - If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Sign Online - A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn't make money that way.

To choose companies who offer car insurance discounts in Kansas, click here to view.

Save $429 a year? Really?

Consumers can't ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you'll save big after switching to their company.

But how can every company make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the driver that makes them money. An example of a desirable insured could be between 25 and 40, insures multiple vehicles, and has excellent credit. Any new insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money and ends up with business going elsewhere. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. This is how companies can make those claims. Because of the profiling, you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

More detailed Kansas car insurance information is available at the Kansas Insurance Department website. Consumers can read enforcement actions against agents and companies, get help finding coverage, view agent and company licensing information, and find out industry alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Selden.

Best coverage at the best price

While you're price shopping online, do not reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price.

Budget-conscious car insurance can be purchased from both online companies and also from your neighborhood Selden agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.