Tightwads Instructions on Saving on Leavenworth Auto Insurance

Paying for high-priced auto insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Lots of contend for your insurance dollar, and because of this it can be hard to compare to get the lowest rate

It's important to shop coverage around yearly because prices are constantly changing. Even if you think you had the best rates a year ago you will most likely find a better rate today. You can find a lot of wrong information about auto insurance on the web, but we're going to give you some great ways to put money back in your pocket.

Don't pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you quote, but some may not be applied and must be specifically requested prior to getting the savings. If they aren't giving you every credit you deserve, you are throwing money away.

  • Good Student Discount - Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Low Mileage - Low mileage vehicles could qualify for a substantially lower rate.
  • E-sign - Certain companies may give you up to $50 for buying your policy on their website.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will cut your premiums.

Kansas auto insurance

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone's situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

  • Should I buy only the required Kansas minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Is my vehicle covered for flood damage?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • Is my cargo covered for damage or theft?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don't have a local agent, 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 may give you better protection.

The auto insurance bait and switch

Consumers in Kansas get pounded daily by advertisements for car insurance savings from the likes of State Farm and Allstate. All the ads have a common claim about savings if you change your coverage to them.

How do they all claim to save you money? This is how they do it.

All companies have a preferred profile for the type of customer that earns them a profit. A good example of a preferred risk might be between 25 and 40, has no prior claims, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a higher premium and this can result in the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save that much money. This is how companies can truthfully make those claims.

That is why you should quote coverage with many companies. It's impossible to know which insurance companies will have the lowest rates.

Additional information can be read on the website for the Kansas Insurance Department. Click here for link. Visitors are able to file complaints about a company, file complaints about an insurance agent or broker, find disaster information, and discover disciplinary actions.

Kansas auto insurance quotes

And the best car insurance company is...

We covered a lot of ways to reduce auto insurance prices online. It's most important to understand that the more you quote, the higher your chance of finding lower rates. Drivers may discover the most savings is with a smaller regional carrier. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage and discovered at claim time they didn't purchase enough coverage. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Cheaper auto insurance is attainable both online as well as from independent agents in Leavenworth, so you should compare both to have the best rate selection. Some companies don't offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.