How to Know You're Spending Too Much for Auto Insurance in Everest

Having to pay for overpriced auto insurance can overdraw your checking account and make it impossible to make ends meet. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket. There are many to buy insurance from, and though it is a good thing to have multiple companies, it makes it harder to compare rates.

It's important to check auto insurance prices quite often since insurance rates are constantly changing. Even if you got the best price a couple years back a different company probably has better rates today. Forget all the misinformation about auto insurance because we're going to demonstrate the tricks you need to know to find great coverage at a great price.

Finding the best rates in Everest is quite easy. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Kansas drivers only need an understanding of the proper way to shop for auto insurance over the internet.

These discounts can lower your rates

Companies offering auto insurance don't list every available discount very clearly, so we took the time to find some of the best known and the more hidden ways to save on auto insurance. If you're not getting every credit you deserve, you are throwing money away.

Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Resident Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
Auto/Life Discount - Larger companies have a discount if you purchase life insurance.
Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
Government Employees - Active or retired federal employment could cut as much as 10% off with certain companies.
Early Switch Discount - A few companies offer discounts for signing up prior to your current policy expiring. It's a savings of about 10%.
Air Bag Discount - Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It's important to understand that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, it doesn't quite work that way.

What determines how much you pay?

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Knowing what determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are a few of the "ingredients" companies use to determine your rates.

One company can mean more discounts - Many auto insurance companies give discounts to people who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal.
Older drivers pay less - Teenage drivers in Kansas are known to be less responsible when driving so they pay higher auto insurance rates. Parents adding a youthful driver to your policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
More people means more accidents - Residing in small towns and rural areas has it's advantages when buying auto insurance. Drivers in populated areas tend to have congested traffic and longer commutes to work. Fewer drivers means fewer accidents.
Do men or women drive better? - Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. Both sexes are in accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
Claim-free discounts can add up - Insurance companies in Kansas give lower rates to policyholders who file claims infrequently. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Different people need different coverages

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions may help you determine whether you would benefit from an agent's advice.

Do I need PIP (personal injury protection) coverage in Kansas?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?

If it's difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Are you falling for claims of savings?

Kansas drivers get pounded daily by advertisements for car insurance savings by companies like Allstate and Progressive. All the ads make the same claim of big savings after switching to them.

How does each company say the same thing?

Insurance companies have a preferred profile for the type of driver that earns them a profit. For example, a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be charged a higher premium which leads to business not being written. The ad wording is "people who switch" not "everybody who quotes" save money. This is how insurance companies can confidently advertise the way they do. That is why drivers should get as many quotes as possible. It's not possible to predict which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

More tips and info about auto insurance can be found at the Kansas Insurance Department website. Kansas drivers can read consumer alerts, read enforcement actions against agents and companies, view agent and company licensing information, and learn about insurance regulations.

In the end, you save

As you go through the steps to switch your coverage, it's very important that you do not skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Throughout this article, we presented some good ideas how to reduce auto insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the most savings is with a company that doesn't do a lot of advertising. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .