Free Guide to Saving Money on Atchison Auto Insurance Online

I can't think of anyone who looks forward to buying auto insurance, especially knowing they are paying too much. You have multiple to buy insurance from, and though it is a good thing to be able to choose, having more makes it harder to compare rates.

Shopping for affordable protection in Atchison is easy if you know what you're doing. If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates while maximizing coverage. Kansas vehicle owners just need to know the tricks to get comparison quotes over the internet.

Why some people pay less for insurance in Atchison

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in big savings.

Little extras can really add up - There are a ton of additional coverages that you can get tricked into buying if you aren't careful. Coverages for roadside assistance, accidental death and motor club memberships are examples of these. They may seem like a good idea when talking to your agent, but if you don't need them eliminate them to save money.
A clean driving record saves money - Only having one citation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to keep their license.
Teen drivers pay high rates - Teenage drivers in Kansas are known to get distracted easily behind the wheel so they pay higher auto insurance rates. Having to add a teen driver to your policy can be quite pricey. Older drivers are more responsible, file fewer claims and receive fewer citations.
Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean women are better drivers. They both tend to get into accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.

Vehicle Insurance Comparison

Reducing your insurance rates is a fairly straight forward process. Just invest a few minutes getting comparison quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

The fastest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form entry to each individual auto insurance company. Just one form will get you rate comparisons direct from many companies.
A harder way to compare rate quotes requires you to visit the website for every company you want to comare and request a quote. For sake of this example, we'll pretend you want to compare , and . To find out each rate you need to spend time on each company's site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Atchison, click here.

Which method you use is up to you, but be sure to compare identical coverage information with every price quote. If each company quotes unequal deductibles or liability limits it will be very difficult to find the best deal in Atchison.

Take advantage of discounts

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few must be manually applied prior to getting the savings. If you're not getting every credit you qualify for, you are paying more than you should be.

Driver Safety - Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
Good Student - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Student in College - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
Senior Discount - If you're over the age of 55, you may be able to get reduced rates.
Federal Employees - Employees or retirees of the government may qualify you for a discount depending on your company.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
Accident Free - Good drivers with no accidents pay much less when compared with accident-prone drivers.
Organization Discounts - Affiliation with a qualifying organization could qualify you for a break when buying auto insurance.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies don't profit that way. But all discounts will bring down your overall premium however.

To choose insurers who offer auto insurance discounts in Kansas, follow this link.

Are auto insurance companies telling the truth?

Kansas drivers can't ignore all the ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the companies say the same thing that you'll save big after switching to them.

How does each company say the same thing? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that makes them money. For instance, a profitable customer might be profiled as over the age of 50, a clean driving record, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards must pay a more expensive rate which usually ends up with business not being written. The ad wording is "drivers who switch" not "people who quote" save money. That is how companies can make the claims of big savings.

This illustrates why you need to get as many quotes as possible. It's not possible to predict which company will fit your personal profile best.

How to know if you need help

When buying the best auto insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is unique and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation may require specific advice.

Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in Kansas?
Why does it cost so much to insure a teen driver in Atchison?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Much more information about auto insurance in Kansas is located on the website for the Kansas Insurance Department. Click here for link. Kansas drivers can discover disciplinary actions, file complaints about a company, read enforcement actions against agents and companies, and learn about insurance regulations.

And the best car insurance company is...

Discount auto insurance can be bought on the web and with local Atchison insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Throughout this article, we presented a lot of information how to compare auto insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like .

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.