8 Discounts Kingman Shoppers Forget when Comparing Car Insurance

Overpriced car insurance can dwindle your savings account and force you to make sacrifices. Shopping your coverage around is a smart way to tighten up your finances. You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around on a regular basis since rates are constantly changing. If you had the lowest price a couple years back a different company probably has better rates today. Block out anything you think you know about car insurance because we're going to demonstrate one of the easiest ways to reduce your cost while improving coverage.

Policy discounts you shouldn't miss

Companies that sell car insurance don't list all their discounts very clearly, so we researched some of the more common as well as the least known car insurance savings. If you're not getting every credit you deserve, you are throwing money away.

  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Own a Home - Owning a house in Kingman may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Accident Waiver - Certain companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Defensive Driving Course - Completing a driver safety course could cut 5% off your bill if you qualify.
  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Lower Rates for Military - Having a deployed family member can result in better rates.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

Kansas car insurance quotes

Save $429 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you move your coverage to them.

How does each company make the same claim?

All companies have a preferred profile for the type of customer that earns them a profit. For instance, a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will have to pay more money which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can advertise the way they do. Because of the profiling, drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

For more Kansas car insurance information

Additional detailed information is located at the Kansas Insurance Department website. Consumers can file complaints about an insurance agent or broker, get help finding coverage, view a list of available companies, and learn about insurance regulations.

A tidy conclusion

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In many instances, drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Affordable car insurance is possible from both online companies as well as from independent agents in Kingman, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.