Lower Online Marion Auto Insurance Prices With These Tips

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies all offering big savings in Marion.

It's important to do rate comparisons occasionally because insurance rates are constantly changing. Even if you think you had the lowest price last year a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to find out how to quote online to buy cheaper auto insurance.

Take advantage of discounts

Car insurance can cost a lot, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Discount for Swiching Early - Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Low Mileage - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • Safety Course Discount - Taking a course in driver safety can save you 5% or more if you qualify.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

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Why some people pay less for insurance in Marion

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get better auto insurance rates.

  • Traffic violations increase rates - Even a single citation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Bundling policies can get discounts - Some companies give discounts to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to compare other company rates to make sure you are getting the best deal.
  • Safer occupants lowers premiums - Safer cars are cheaper to insure. Safer cars result in less severe injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders.
  • Equipment add-ons that lower auto insurance rates - Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

How to know if you need help

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured's situation is different.

These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in Kansas?
  • Why does it cost so much to insure a teen driver in Marion?

If you don't know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Are auto insurance companies telling the truth?

Kansas consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm and Allstate. All the ads say the same thing about savings if you change to them.

How can each company make almost identical claims? This is how they do it.

Different companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a preferred risk could possibly be between the ages of 40 and 55, owns a home, and has great credit. A driver who fits that profile receives the best rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save money. That is how companies can truthfully advertise the savings.

That is why drivers should get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

Additional information is located on the Kansas Insurance Department website. Click here for link. Kansas consumers can file complaints about a company, read consumer alerts, and find disaster information.

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A tidy conclusion

In this article, we presented many ways to reduce auto insurance prices online. It's most important to understand that the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.

As you prepare to switch companies, it's not a good idea to skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

Cheap auto insurance is attainable online and with local Marion insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.