Consumer Tested Strategies to Save on Cheney Car Insurance

Expensive car insurance can empty your savings account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates enables informed choices that could result in much lower annual insurance costs.

The list below includes some of the factors car insurance companies consider when setting premiums.

Extra coverages can waste money - There are a lot of add-on coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and term life insurance may be wasting your money. These coverages may sound good when talking to your agent, but if they're wasting money eliminate them to save money.
Discounts for married couples - Being married actually saves money on your car insurance policy. Having a spouse means you're more mature it has been statistically shown that married drivers get in fewer accidents.
Special features that cut premiums - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
Teen drivers pay high rates - Youthful drivers in Kansas tend to get distracted easily when driving so they pay higher car insurance rates. Adding a young driver to your car insurance policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
Liability insurance protects assets - The liability section of your policy is the protection if you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
More than one policy can earn a discount - The majority of car insurance companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to ensure the best deal.

How to Lower Your Car Insurance Cost in Cheney, Kansas

There are several ways to compare car insurance quotes, and some are easier and takes less work. You can spend your afternoon driving to insurance agencies in Cheney, or you can stay home and use online quoting to achieve your goal.

Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each company provides a quote for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only downside to comparing rates this way is you are unable to specify which providers to get pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of the cheapest car insurance companies in Kansas. View list of Kansas insurance companies.

It's up to you how you get prices quotes, just ensure you are comparing identical deductibles and coverage limits on every quote you get. If you use different values for each quote you will not be able to determine which rate is truly the best in Cheney. Having just a slight variation in limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate better pricing.

How much can you save with discounts?

Companies that sell car insurance don't always list all available discounts very clearly, so here is a list both the well known and the harder-to-find ways to save on car insurance.

Fewer Miles Equal More Savings - Keeping the miles down can qualify you for better rates on cars that stay parked.
Own a Home - Owning a home in Cheney may earn you a small savings because of the fact that having a home requires personal responsibility.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Paperless Signup - A few companies may give you up to $50 just for signing your application over the internet.
Student in College - Any of your kids who live away from home without a vehicle on campus can receive lower rates.

It's important to note that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

To choose insurers with the best car insurance discounts in Kansas, click this link.

Save 15 percent in 15 minutes? Is it for real?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make the same claim that you can save if you move to their company. How does each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. An example of a profitable customer might be a mature driver, insures multiple vehicles, and has great credit. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards must pay a higher premium which leads to the customer not buying. The ads state "drivers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can advertise the savings. This illustrates why you need to get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Additional detailed information is available at the Kansas Insurance Department website. Visitors are able to discover disciplinary actions, get help finding coverage, view a list of available companies, and read enforcement actions against agents and companies.

Final considerations

Lower-priced car insurance is possible both online and also from your neighborhood Cheney agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.