Top Ways to Save on Clearwater Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are many Clearwater consumers feeling the pinch from expensive auto insurance. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to get comparison quotes every six months since insurance rates are constantly changing. Even if you think you had the lowest price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you're about to find out how to quote online to find better coverage at a better price.

If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Finding affordable coverage in Clearwater is easy if you know what you're doing. Kansas vehicle owners just need to know the most effective way to compare company rates on the web.

How to Compare Auto Insurance in Clearwater, Kansas

There are several ways to compare auto insurance prices and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance agencies in Clearwater, or you can utilize online quotes to get rates in a matter of minutes.

All the larger companies participate in a marketplace that allows shoppers to send in one quote, and each participating company then gives them pricing based on that data. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify which companies you want pricing from. If you prefer to choose specific providers to compare rates, we have a page of low cost auto insurance companies in Kansas. Click here to view list.

It's up to you which method you use, but ensure you are comparing exactly the same coverage limits on every quote you get. If you have differing limits it will be impossible to determine which rate is truly the best in Clearwater.

Understand what determines the rate you pay

It's important that you understand the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces that factor into rates.

Pay less if you're married - Having a wife or husband helps lower the price on your policy. It usually means you are more mature than a single person and it's statistically proven that being married results in fewer claims.
Liability coverage is peace of mind - Your policy's liability coverage provides coverage if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means lower claim amounts and more competitive rates for policyholders.
Too many auto insurance claims drive up costs - Car insurance companies in Kansas award cheaper rates to people who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the large, substantial claims.
Your stress level may be raising your rates - Jobs such as judges, business owners and dentists are shown to have the highest average rates attributed to stressful work requirements and lengthy work days. Other occupations like actors, historians and retirees pay the least.
Men are more aggressive - Statistics demonstrate women are more cautious behind the wheel. Now that doesn't mean men are WORSE drivers than women. Women and men have accidents in similar numbers, but the males tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.

Be sure to get all your discounts

Companies that sell car insurance don't list all their discounts in a way that's easy to find, so we researched some of the best known and the more hidden savings tricks you should be using. If you aren't receiving every discount possible, you're just leaving money on the table.

Sign Online - Certain companies give back up to $50 for buying a policy and signing up digitally online.
Club Memberships - Affiliation with a civic or occupational organization is a good way to get lower rates on auto insurance.
Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Drivers Ed for Students - Require your teen driver to complete a driver education course if offered at their school.
Federal Government Employee - Simply working for the federal government can save as much as 8% with select insurance companies.
No Charge for an Accident - A handful of insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
Discount for Good Grades - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Pay Now and Pay Less - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don't profit that way.

For a list of companies with discount auto insurance rates in Clearwater, click here to view.

More detailed Kansas auto insurance information is located at the Kansas Insurance Department website. Kansas drivers can get help finding coverage, find out which companies have the most complaints, find disaster information, and download brochures.

A tidy conclusion

Discount auto insurance is attainable on the web in addition to many Clearwater insurance agents, and you need to price shop both to have the best selection. Some auto insurance companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

When shopping online for auto insurance, it's not a good idea to reduce needed coverages to save money. In many cases, someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at an affordable rate.