Top Ways to Save on Frankfort Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you are not the only one feeling buyer's remorse.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage every six months because rates are constantly changing. Just because you found the best rates a few years ago there may be better deals available now. There is a lot of bad advice regarding car insurance on the internet, so I'm going to show you some great ways to stop overpaying for insurance.

Frankfort car insurance comparison

These discounts can lower your rates

Companies offering auto insurance don't always advertise all their discounts in a way that's easy to find, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • 55 and Retired - Older drivers may be able to get a discount up to 10%.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Discount - Owning a house in Frankfort can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course if it's offered in school.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

For a list of companies who offer car insurance discounts in Frankfort, click here to view.

How to Compare Car Insurance in Frankfort, Kansas

Most major insurance companies provide coverage price quotes online. The process doesn't take a lot of time as you just type in the coverages you want as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and generates a price. Online quotes makes it a lot easier to compare rates but the time required to go to different websites and type in the same information gets old quite quickly. But it's very important to perform this step if you want to find better car insurance pricing.

Quote rates the easy way

A more efficient way to lower your rates utilizes a single form that gets price quotes from more than one company. The form is fast, reduces the work, and makes online price comparison much simpler. As soon as you send your information, it gets priced and you can select your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

If you want to find out what other companies charge, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you input as close as possible to your current policy. This helps ensure you're receiving an apples-to-apples comparison based on identical coverages.

Do the work, save more money

When shopping online for car insurance, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.

Cheaper car insurance can be sourced from both online companies in addition to many Frankfort insurance agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.