How to Know You're Throwing Money Away for Auto Insurance in Lebo

Have you had enough of paying out the nose each month for car insurance? Your situation is no different than many other Kansas drivers. Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

It's important to compare prices before your policy renews because prices are constantly changing. Even if you think you had the lowest price a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we're going to demonstrate how to quote online to get good coverage at a lower rate.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

Shown below are a partial list of the pieces auto insurance companies consider when setting your rates.

Poor credit can mean higher rates - Your credit score is a important factor in your rate calculation. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower ratings. If your credit score is low, you could save money insuring your by spending a little time repairing your credit.
Your stress level may be raising your rates - Occupations like judges, executives and financial analysts tend to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like farmers, engineers and retirees receive lower rates.
Don't buy coverages you don't need - There are quite a few extra bells and whistles you can purchase when buying auto insurance. Coverages for vanishing deductibles, better glass coverage and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate them to save money.
Teen drivers pay high rates - Youthful drivers in Kansas have a tendency to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
Being married can save on auto insurance - Having a wife or husband helps lower the price on your auto insurance policy. Marriage means you're more responsible and it's proven that drivers who are married are more cautious.
Pleasure use saves money - The higher the mileage driven every year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
Liability coverage is cheap - Your policy's liability coverage will protect you in the event that you are found liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply would be a windshield shattered by a rock, damage caused by hail, or theft. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.

Cheap Lebo Auto Insurance Comparisons

There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in Lebo, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies enroll in a system that allows shoppers to complete one form, and each participating company can provide price quotes determined by their information. This system prevents you from having to do quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is you can't choose which providers you will receive quotes from. So if you prefer to pick specific providers to compare prices, we put together a list of auto insurance companies in Kansas. Click here to view list.

It doesn't matter which method you choose, just ensure you're using identical coverage limits on every quote you get. If your comparisons have differing limits it will be impossible to determine which rate is truly the best in Lebo.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every available discount very clearly, so we researched both the well known as well as the least known ways to save on auto insurance. If you're not getting every credit available, you are paying more than you should be.

Passive Restraint Discount - Vehicles with factory air bags may earn rate discounts of 20% or more.
No Accidents - Claim-free drivers pay much less compared to accident-prone drivers.
Safety Course Discount - Completing a defensive driving course could save 5% or more if your company offers it.
Resident Student - Any of your kids who are attending college and don't have a car can receive lower rates.
E-sign - Certain companies may give you up to $50 for buying your policy over the internet.
One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.

A little note about advertised discounts, many deductions do not apply to the entire cost. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

To choose providers with discount auto insurance rates in Kansas, click this link.

Is there truth in advertising?

Consumers in Kansas can't ignore all the ads for the lowest price auto insurance by State Farm and Allstate. All the ads make the same claim about savings if you change to their company.

How does each company claim to save you money?

All companies can use profiling for the driver that makes them money. For instance, a preferred risk might be between the ages of 30 and 50, is a homeowner, and has a short commute. A customer getting a price quote who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be charged a higher premium which leads to the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make the claims of big savings. That is why you need to get quotes from several different companies. It's impossible to know the company that will fit your personal profile best.

Even more information is located at the Kansas Insurance Department website. Visitors are able to find out industry alerts, read industry bulletins, discover disciplinary actions, and read enforcement actions against agents and companies.

And the best car insurance company is...

We covered many ideas to compare auto insurance prices online. It's most important to understand that the more you quote, the better chance you'll have of finding lower rates. Consumers could even find that the lowest rates come from a small local company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

Cheaper auto insurance is attainable both online and also from your neighborhood Lebo agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.