Car Insurance in Kinsley - 10 Discounts You Might be Losing Out On

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you're not alone. Numerous battle to insure your vehicles, so it can be very hard to choose a and get the best coverage at the lowest rate

It's important to get comparison quotes every six months since rates are constantly changing. Even if you got the lowest price on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.

Be sure to get all your discounts

Car insurance is not cheap, but companies offer discounts that many people don't even know exist. Some discounts apply automatically at the time you complete a quote, but less common discounts must be inquired about prior to getting the savings. If they aren't giving you every credit possible, you are throwing money away.

  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Defensive Driver - Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with certain companies.
  • New Car Discount - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Use Seat Belts - Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • 55 and Retired - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • No Charge for an Accident - A few companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

Kinsley car insurance quote

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings from companies such as Allstate and Progressive. All the ads say the same thing about savings if you switch your policy.

How do they all make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the right customer that earns them a profit. For instance, a preferred risk could be over the age of 50, has no driving citations, and has great credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a more expensive rate which usually ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the savings.

That is why drivers should compare many company's rates. It's just too difficult to predict which car insurance company will fit your personal profile best.

Learn more about Kansas car insurance

Additional information is located on the website for the Kansas Insurance Department found here. Consumers can read consumer alerts, report car insurance fraud, discover disciplinary actions, and download brochures.

And the best car insurance company is...

When you buy insurance online, you should never skimp on coverage in order to save money. Too many times, someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Cheap car insurance can be found from both online companies in addition to many Kinsley insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.