How to Know You're Wasting Money for Car Insurance in Wellington

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, many Wellington consumers feel financially strained by their car insurance policy. Companies like GEICO and Progressive constantly bombard you with TV and radio ads and consumers find it hard to sift through the bull and find the best price available.

It's important to do rate comparisons at least once a year because rates are constantly changing. Even if you got the best price a year ago you may be paying too much now. Ignore everything you know about car insurance because you're about to find out the tricks you need to know to find the best coverage while lowering your premiums.

Compare the Market for Car Insurance in Wellington

Effectively comparing car insurance prices can take hours if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Wellington, or you can stay home and use the internet to get rate comparisons in just a few minutes.

All the larger companies take part in a program that allows shoppers to submit one quote, and each participating company then gives them pricing based on that data. This eliminates the need for quote forms for each company you want a rate for.

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

One minor caviat to doing it this way is buyers cannot specifically choose which companies you want pricing from. So if you want to select individual companies to request quotes from, we have assembled a list of the cheapest car insurance companies in Kansas. Click to view list.

Which method you use is up to you, but compare exactly the same information for each price quote. If you have higher or lower deductibles it will be very difficult to truly determine the lowest rate in Wellington.

Why some people pay less for insurance in Wellington

It's important that you understand some of the elements that help determine your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with better car insurance rates.

Marriage brings a discount - Having a spouse can get you a discount when buying car insurance. It is viewed as being more mature it has been statistically shown that being married results in fewer claims.
Policy add-ons can waste money - There are a ton of extra coverages that you can buy on your policy. Insurance for vanishing deductibles, towing coverage and motor club memberships are examples of these. These coverages may sound good when talking to your agent, but if you don't need them eliminate the coverages to reduce your premium.
Lower miles equals lower premium - Driving more miles in a year the more you will pay for car insurance. Most companies rate vehicles based on their usage. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance coverage is rated on the proper vehicle usage.
You might want pay the small claims yourself - If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies in Kansas provide cheaper rates to drivers who file claims infrequently. Car insurance is meant to be used in the event of the large, substantial claims.
How's your driving record? - Your driving citation history has a huge affect on how much you pay. Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one speeding ticket can increase rates forty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
Your credit rating is important - Credit history is a huge factor in calculating your car insurance rates. If your credit rating is not that good, you could be paying less to insure your by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores.
How many coverages with the same company - Many companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it's in your best interest to shop around to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.

How much can you save with discounts?

Companies don't list all their discounts in a way that's easy to find, so we took the time to find some of the more common and the harder-to-find car insurance savings. If you aren't receiving every discount possible, you're just leaving money on the table.

Sign Online - Some insurance companies will give a small break just for signing your application digitally online.
Driver Safety - Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
New Car Discount - Insuring a new car can save up to 30% compared to insuring an older model.
Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
Early Switch Discount - Select companies give a discount for switching to them before your current policy expires. It's a savings of about 10%.

Keep in mind that most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn't work that way.

For a list of companies who offer car insurance discounts in Wellington, follow this link.

Additional detailed information can be found at the Kansas Insurance Department website. Consumers can get help finding coverage, discover disciplinary actions, file complaints about an insurance agent or broker, and download brochures.

Best coverage at the best price

Affordable car insurance can be purchased from both online companies and with local Wellington insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

While you're price shopping online, it's a bad idea to reduce needed coverages to save money. In many cases, an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. Your aim should be to find the BEST coverage for the lowest price.

We just showed you a lot of information how to lower your car insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like .