7 Shopping Tips Guaranteed to Slash the Cost of Car Insurance Costs in Wellsville, KS

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you many Wellsville consumers feel financially strained by their car insurance policy.

Having so many options when it comes to car insurance, it's nearly impossible to locate the lowest cost insurance company.

It's important to check car insurance prices every six months since rates are constantly changing. If you had the best deal last year you will most likely find a better rate today. So block out anything you think you know about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Some trigger automatically when you quote, but some must be asked for before you get the savings.

  • Sign Online - Some insurance companies will give a small break just for signing your application online.
  • Clubs and Organizations - Belonging to a professional or civic organization may earn a discount on car insurance.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Sign Early and Save - Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Discount for Good Grades - Performing well in school can save 20 to 25%. The discount lasts up to age 25.
  • Homeowners Discount - Owning a house in Wellsville can save you money because of the fact that having a home requires personal responsibility.

It's important to note that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you're out of luck. But any discount will help reduce the cost of coverage.

How can State Farm, GEICO and Progressive save drivers who switch?

Car insurance companies such as State Farm, GEICO and Progressive regularly use ads on television and other media. They all seem to have a common claim that you can save if you move to them. But how can every company make the same claim? This is how they do it.

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured could be between 25 and 40, has no driving citations, and drives newer vehicles. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay a higher premium and this can result in business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save money. That's the way insurance companies can claim big savings.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

More information is available on the website for the Kansas Insurance Department. Click here for link. Consumers can get help finding coverage, find out which companies have the most complaints, download brochures, and file complaints about a company.

Also read more on this site for Kansas car insurance information and see this list of insurance agents in Wellsville.

Final considerations

Lower-priced car insurance is definitely available from both online companies and with local Wellsville insurance agents, so you should compare both to have the best selection. A few companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage only to find out that it was a big mistake. Your aim should be to purchase a proper amount of coverage for the lowest price.