Top 8 Ways to Get Lower Rates on Car Insurance in St Marys, KS

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you are not the only one feeling buyer's remorse. Lots of contend for your hard-earned dollar, so it can be very hard to choose a and uncover the absolute lowest rate

It's important to take a look at other company's rates every six months since rates are constantly changing. Even if you think you had the best price a couple years back a different company probably has better rates today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known as well as the least known car insurance savings. If they aren't giving you every credit possible, you are throwing money away.

Sign Online - A few companies may give you up to $50 for buying your policy on their website.
Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break on car insurance.
Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
College Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

Save $429 a year? Really?

Consumers in Kansas get pounded daily by advertisements that promise big savings by State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you change to their company.

How do they all claim to save you money?

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a desirable insured might be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the way they do. Because of the profiling, drivers should get as many quotes as possible. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Learn more about Kansas car insurance

Even more information can be found at the Kansas Insurance Department website. Visitors are able to get help finding coverage, find out which companies have the most complaints, find disaster information, and discover disciplinary actions.

A tidy conclusion

Cheaper car insurance is attainable both online and also from your neighborhood St Marys agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In many cases, someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find at a price you can afford.