Proven Ways to Save on Fowler Auto Insurance

Expensive auto insurance can dwindle your bank account and make it impossible to make ends meet. Comparison shopping is a great way to tighten up your finances. Multiple compete to insure your vehicles, and because of this it can be hard to compare and uncover the absolute lowest price

It's important to take a look at other company's rates quite often since insurance rates are constantly changing. Even if you got the best deal a few years ago a different company probably has better rates today. So ignore everything you know about auto insurance because it's time to teach you the only way to reduce your cost while increasing coverage.

These discounts can lower your rates

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Most are applied at quote time, but lesser-known reductions have to be manually applied in order for you to get them. If they aren't giving you every credit you deserve, you are throwing money away.

Good Student Discount - Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
Resident Student - Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.
Clubs and Organizations - Affiliation with certain professional organizations may earn a discount on your policy.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
Anti-theft System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren't that generous. Any amount of discount will cut the cost of coverage.

Fowler Rates are Influenced by These Factors

Smart consumers have a good feel for the factors that help determine auto insurance rates. Understanding what impacts premium levels enables informed choices that can help you get better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting your rates.

Traffic citations inflate rates - Even a single speeding ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with the DMV in their state in order to keep their license.
Older drivers pay less - More mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teenage drivers are known to be more careless when driving therefore auto insurance rates are much higher.
Proper usage rating affects rates - Driving more miles in a year's time the higher your rates will be. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your auto insurance coverage is showing the proper vehicle usage, because it can save money.
Liability coverage protects you - Liability coverage is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Lower rates with optional equipment - Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

Different people need different coverages

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone's situation is a little different and your policy should reflect that. For instance, these questions may help you determine whether you could use an agent's help.

Do I need to file an SR-22 for a DUI in Kansas?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Am I getting all the discounts available?
What can I do if my company won't pay a claim?
What are Kansas no-fault laws?
Do I need special endorsements for business use of my vehicle?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Kansas drivers get pounded daily by advertisements for car insurance savings by State Farm and Allstate. All the ads have a common claim about savings after switching to their company.

How do they all say the same thing?

Different companies have a preferred profile for the driver that earns them a profit. An example of a preferred risk might be profiled as over the age of 40, insures multiple vehicles, and has a short commute. A propective insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will be charged more money and this can result in business not being written. The ad wording is "customers that switch" not "everybody who quotes" save that much. This is how companies can truthfully make the claims of big savings.

That is why drivers should compare as many rates as you can. It's not possible to predict which insurance companies will fit your personal profile best.

Additional information is available on the website for the Kansas Insurance Department located here. Kansas drivers can file complaints about a company, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Best coverage at the best price

In this article, we covered a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

As you shop your coverage around, never skimp on coverage in order to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Cheap auto insurance can be purchased on the web and also from your neighborhood Fowler agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.