Tightwads Tips for Saving on Kansas Auto Insurance

Sick and tired of scraping the payment together each month for car insurance? Your situation is no different than millions of other consumers.

There are many to buy insurance from, and even though it's nice to have a selection, it makes it harder to compare rates.

It's important to check auto insurance prices once or twice a year because insurance rates are constantly changing. Even if you got the best price last year you can probably find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate the tricks you need to know to properly buy coverages while reducing your premium.

How to Compare Auto Insurance Costs in Kansas

Most companies like State Farm, GEICO and Progressive provide prices for coverage on their websites. Getting online rates is fairly straightforward as you just type in the amount of coverage you want as detailed in the form. When the form is submitted, the company's rating system will obtain credit information and your driving record and returns a price quote determined by many factors. Being able to quote online makes comparing rates easy, but the process of having to visit different websites and complete many quote forms can be a bit repetitive. But it's very important to do this if you want to find better auto insurance pricing.

A quicker way to find cheaper rates uses one simple form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable. After sending your information, it gets priced and you can select any one of the quotes returned. If you find a better price you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To save time and find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you input coverages and limits as close as possible to your current policy. This ensures you will have a price comparison for similar insurance coverage.

These discounts can lower your rates

Companies that sell car insurance don't list all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known auto insurance savings.

  • Homeowners Pay Less - Owning a house in Kansas may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Save over 55 - Mature drivers may be able to get reduced rates.
  • Driver Safety - Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Oklahoma, follow this link.

More Oklahoma auto insurance information

Even more information can be found at the Oklahoma Insurance Department website. Oklahoma consumers can get help finding coverage, view a list of available companies, view agent and company licensing information, and learn about insurance regulations.