Comparing Low-Cost Chapman Car Insurance

Are you tired of paying out the nose each month for car insurance? You're in the same situation as the majority of other car owners in Kansas. Having so many online and local companies to choose from, it's difficult to pick the right insurance company.

It's important to price shop coverage before your policy renews due to the fact that insurance rates are constantly changing. Just because you had the best price last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to learn the proper way to reduce your cost while improving coverage.

Don't pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Most are applied when you purchase, but a few need to be asked for before being credited. If you don't get every credit available, you're paying more than you need to.

  • Passive Restraint Discount - Vehicles with factory air bags can receive discounts of 20% or more.
  • Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Senior Citizens - Mature drivers may qualify for a discount up to 10%.
  • Military Discounts - Being on active duty in the military could mean lower rates.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will help reduce your premiums.

To see a list of providers offering car insurance discounts in Kansas, click here to view.

Kansas car insurance

How to Compare Chapman Car Insurance Rates

There are multiple methods you can shop for car insurance and some are more efficient than others. You can waste a lot of time talking to agents in Chapman, or you could save time and use the web to get the quickest rates.

Many insurance companies are enrolled in a marketplace that enables customers to complete one form, and at least one company can provide price quotes. This saves time by eliminating quote forms to each individual car insurance company. To submit your quote information now, click to open in new window.

The one downside to getting quotes like this is that you can't choose which carriers you will receive quotes from. So if you prefer to pick specific insurance companies for rate comparison, we put together a list of car insurance companies in Kansas. Click here for list of insurance companies in Kansas.

It's up to you which method you use, but ensure you're using apples-to-apples coverages and limits for each comparison quote. If you compare different deductibles it's impossible to determine the lowest rate in Chapman.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get big savings.

Listed below are a few of the "ingredients" that factor into your rates.

  • Better credit scores mean better rates - Your credit score is a important factor in your rate calculation. Therefore, if your credit score is lower than you'd like, you could pay less to insure your by improving your rating. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit.
  • High numbers of claims are not good - If you tend to file frequent claims, you can definitely plan on higher rates. Insurance companies in Kansas award discounts to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
  • Bad driving skills means higher rates - Your driving record has a big impact on rates. Drivers with clean records have lower premiums than bad drivers. Even one moving violation may increase your cost by twenty percent. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Bundling policies can get discounts - Most insurers give discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
  • Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. They both cause accidents in similar percentages, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • High crash test scores lower rates - Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Liability coverage is cheap - Liability insurance will protect you in the event that you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Where you live can impact rates - Being located in less populated areas has it's advantages when talking about car insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Less people living in that area means reduced accidents.

The car insurance bait and switch

Consumers in Kansas can't get away from ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the ads make an identical promise about savings if you switch your policy.

But how can every company claim to save you money?

All the different companies can use profiling for the right customer that is profitable for them. For example, a preferred risk might be over the age of 40, is a homeowner, and has great credit. Any driver who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be charged higher prices and ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the savings.

That is why drivers must get quotes from several different companies. You cannot predict the company that will give you the biggest savings.

In the end, you save

We just presented some good ideas how you can compare car insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many cases where an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Learn more today

Additional information can be found on the website for the Kansas Insurance Department located here. Visitors are able to find out industry alerts, download brochures, file complaints about a company, and read consumer alerts.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Chapman insurance agents.