Tightwads Guide for Saving on Anthony Car Insurance

Are you tired of being strong-armed each month for car insurance? You are in the same boat as the majority of other car owners in Kansas.

Companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to price shop coverage before your policy renews because rates are constantly changing. If you had the lowest rates last year you will most likely find a better rate today. So forget all the misinformation about car insurance because you're going to learn the tricks you need to know to lower your annual insurance bill.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise all their discounts in a way that's easy to find, so we break down some of the more common and the harder-to-find car insurance savings.

  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
  • No Claims - Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Passive Restraints and Air Bags - Factory air bags can qualify for discounts up to 30%.

Keep in mind that most credits do not apply to the entire cost. Some only apply to 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, it just doesn't work that way.

Anthony car insurance comparison

The car insurance bait and switch

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to say the same thing that you can save if you move your policy. How can each company make the same claim? This is how they do it.

Different companies can use profiling for the right customer that earns them a profit. For example, a desirable insured could be over the age of 50, is a homeowner, and has great credit. A customer who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who don't measure up to the requirements will have to pay higher rates which usually ends up with business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that kind of money. That's why insurance companies can advertise the savings. Because of the profiling, you should get as many quotes as possible. Because you never know the company that will give you the biggest savings.

Additional detailed information can be found at the Kansas Insurance Department website. Consumers can learn about insurance regulations, read industry bulletins, download brochures, and find disaster information.

Shop smart and save

As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to get the best coverage possible for the lowest price.

We just showed you a lot of information how to reduce car insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a lesser-known regional company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as .