Free Guide to Spending Less for Olathe Auto Insurance Online

Sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than most other car owners in Kansas.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates once or twice a year because prices are constantly changing. Just because you had the best rates a few years ago you can probably find a better price now. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

Olathe Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Listed below are some of the items auto insurance companies consider when setting rates.

Rate your vehicle for proper use - The more miles you rack up on your car every year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy shows how each vehicle is driven.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
Cautious drivers pay less - Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than bad drivers. Just one speeding ticket can boost insurance rates by twenty percent. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Marriage pays dividends - Getting married can actually save you money when buying auto insurance. It means you're more mature and it's proven that drivers who are married are more cautious.
With age comes lower rates - Youthful drivers in Kansas are statistically proven to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, architects and financial analysts tend to have higher average rates because of high stress and long work days. Conversely, jobs such as farmers, engineers and homemakers receive lower rates.
Policy add-ons can waste money - There are many extra bells and whistles that you can buy when buying auto insurance. Coverages for personal injury protection, towing coverage and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they're wasting money eliminate them to save money.

More discounts equal less premium

Car insurance companies don't list all their discounts very clearly, so the following is a list of both the well known as well as the least known auto insurance savings.

Save with a New Car - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Service Members Pay Less - Having a deployed family member could mean lower rates.
Good Students Pay Less - This discount can earn a discount of 20% or more. The good student discount can last until age 25.
Sign Online - A few companies may give you up to $50 just for signing your application over the internet.
College Student - Children living away from home attending college and do not have a car may be able to be covered for less.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it just doesn't work that way.

To choose companies offering auto insurance discounts in Kansas, follow this link.

Switch companies and save? Really?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to say the same thing that you can save if you switch to their company. How does each company claim to save you money?

Insurance companies can use profiling for the driver that makes them money. A good example of a desirable insured might be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money which usually ends up with the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much. That's why insurance companies can make the claims of big savings. Because of the profiling, you should get as many comparisons as possible. It's impossible to know the company that will fit your personal profile best.

More Kansas auto insurance information

Additional detailed information can be read at the Kansas Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, find disaster information, file complaints about a company, and get help finding coverage.

Final considerations

As you shop your coverage around, never buy poor coverage just to save money. In many instances, an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

We covered many ways to save on auto insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest rates come from the least-expected company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as .