Free Guide to Paying Less for Abilene Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you there are many people just like you.

Drivers have so many to buy insurance from, and although it's nice to have a choice, too many choices makes it more difficult to compare rates.

Finding affordable coverage in Abilene is easy if you know what you're doing. In a nutshell, every driver who is required by state law to have auto insurance stands a good chance to be able to save money. But Kansas vehicle owners do need to know how insurance companies price online insurance and apply this information to your search.

Quick Abilene Auto Insurance Quotes

Comparing auto insurance rates can be a lot of work if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Abilene, or you could save time and use the internet to achieve your goal.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one downside to pricing coverage this way is you don't know exactly which companies to get quotes from. So if you want to select specific insurance companies to receive pricing from, we have a page of auto insurance companies in Kansas. Click here for list of insurance companies in Kansas.

Whichever method you choose, compare identical coverage limits and deductibles with every price quote. If you enter different liability limits it's not possible to find the best deal in Abilene. Slightly different insurance coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies helps locate the best rates.

How to Lower your Auto Insurance Rates

It's important that you understand the factors that go into determining auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

  • Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, social workers and financial analysts have higher average rates because of stressful work requirements and lots of time spent at work. Conversely, occupations like actors, engineers and homemakers get better rates.
  • Do you need those extra coverages? - There are many extra coverages that can waste your money if you aren't careful. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
  • How many coverages with the same company - Most insurance companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money. You may still be able to find a better deal by buying insurance from more than one company.
  • Having a spouse can save you money - Having a spouse can actually save you money on auto insurance. Having a significant other translates into being more mature than a single person and it's proven that being married results in fewer claims.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
  • Liability coverage is peace of mind - Liability insurance provides coverage when a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Adjust deductibles and save - The deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the less your auto insurance will be.

How much can you save with discounts?

Companies don't always advertise every discount very clearly, so we took the time to find some of the best known as well as the least known discounts you could be receiving.

  • Claim Free - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Homeowners Discount - Simply owning a home can save you money because owning a home is proof that your finances are in order.
  • Payment Discounts - By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
  • Senior Discount - Older drivers may qualify for a small decrease in premiums.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.

Consumers should know that some credits don't apply the the whole policy. Most only cut individual premiums such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies don't profit that way.

For a list of insurance companies offering auto insurance discounts in Kansas, click here.

More detailed Kansas auto insurance information can be found at the Kansas Insurance Department website. Kansas drivers can read industry bulletins, discover disciplinary actions, read consumer alerts, and get help finding coverage.

auto insurance in Abilene

Final considerations

Discount auto insurance can be found on the web as well as from independent agents in Abilene, and you should be comparing both to have the best rate selection. Some companies don't offer online quoting and these regional insurance providers work with independent agents.

While you're price shopping online, never reduce needed coverages to save money. There are too many instances where an insured dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.