Finding Low-Cost Mound City Auto Insurance

No one in their right mind enjoys paying for auto insurance, especially knowing the cost is way too high. Since consumers have many online and local companies to choose from, it can be hard to pick the lowest price provider.

Don't pay full price with these discounts

Car insurance companies don't list all available discounts very well, so we took the time to find some of the best known as well as the least known auto insurance savings. If you don't get every credit you qualify for, you're paying more than you need to.

  • Homeowners Savings - Owning a home in Mound City may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
  • Safety Course Discount - Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • No Accidents - Good drivers with no accidents can save substantially when compared with bad drivers.
  • Senior Discount - Mature drivers may receive better auto insurance rates.
  • Multiple Cars - Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

To see a list of insurers with discount auto insurance rates in Kansas, follow this link.

Vehicle Insurance Comparison

Performing a rate comparison can take hours if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Mound City, or you could save time and use the internet for quick rates.

Many insurance companies enroll in a system that enables customers to submit their information once, and at least one company returns a rated price for coverage. This eliminates the need for quote forms to each individual auto insurance company.

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

One minor caviat to using this type of system is you are unable to specify which carriers you want pricing from. So if you prefer to choose specific providers to compare, we put together a list of auto insurance companies in Kansas. Click here to view list.

Which method you use is up to you, but be sure to compare apples-to-apples coverage limits on every quote. If you use differing limits it's impossible to make a fair comparison in Mound City.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in lower auto insurance prices.

  • What are your deductibles? - Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
  • A clean driving record saves money - Only having one moving violation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Don't buy coverages you don't need - There are quite a few additional coverages that you can get tricked into buying if you aren't careful. Things like personal injury protection, accidental death and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they're wasting money remove them from your policy.
  • Poor credit can mean higher rates - A driver's credit score is a important factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. Therefore, if your credit is low, you could pay less to insure your by improving your rating.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

The auto insurance bait and switch

Kansas drivers can't get away from ads for cheaper car insurance by Allstate, GEICO and Progressive. All the companies say the same thing about savings if you change to their company.

But how can every company say the same thing?

All companies have a certain "appetite" for the driver that is profitable for them. For example, a profitable customer might be profiled as a mature driver, a clean driving record, and has excellent credit. A propective insured who fits that profile is entitled to the best price and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile must pay higher rates which usually ends up with business not being written. The ads state "customers that switch" not "everyone that quotes" save that much. That is how companies can truthfully make those claims. This illustrates why drivers must get as many comparisons as possible. It's not possible to predict which company will have the lowest rates.

A tidy conclusion

Cheaper auto insurance is attainable on the web and also from your neighborhood Mound City agents, and you need to price shop both to get a complete price analysis. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented a lot of information how to compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even find the best price on auto insurance is with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

Kansas auto insurance

Even more information can be found at the Kansas Insurance Department website. Kansas drivers can report car insurance fraud, file complaints about a company, discover disciplinary actions, and find out industry alerts.

Additional helpful sites include this page for Kansas auto insurance and this page for help finding agents in Mound City, KS.