Free Guide to Saving Money on Osawatomie Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say there are a lot of people in Osawatomie just like you who feel imprisoned by their auto insurance policy. Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices every six months since insurance rates are constantly changing. Even if you got the best deal a couple years back the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

Save big with these discounts

Car insurance companies don't necessarily list all their discounts in a way that's easy to find, so here is a list some of the best known and the harder-to-find savings tricks you should be using. If you aren't receiving every discount possible, you're paying more than you need to.

  • Senior Discount - Mature drivers may qualify for better auto insurance rates.
  • Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students - Have your child complete a driver education course in school.
  • No Accidents - Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
  • Sign Online - Certain companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you won't be that lucky.

To see a list of companies offering auto insurance discounts in Osawatomie, click here to view.

Osawatomie auto insurance comparison

How to Compare Auto Insurance in Osawatomie, Kansas

Finding cheaper auto insurance prices doesn't have to be difficult. You just have to invest a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing a different quote for every auto insurance company. Filling out one form compares rates .
  • A harder way to get quotes online is going to each company's website and complete a new quote form. For examples sake, let's say you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site and enter your information, and that's why the first method is more popular.

    To view a list of companies in Osawatomie, click here.
  • The least recommended method to compare rates is to drive around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local agent. However, consumers can obtain prices from the web and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits and deductibles on every quote. If the quotes have different liability limits you will not be able to make a fair comparison in Osawatomie.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

  • Mature drivers pay less - Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are statistically proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
  • Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are willing to pay before your auto insurance pays a claim. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
  • One company can mean more discounts - Most insurers will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you're getting this discount it's in your best interest to compare rates to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
  • Too many auto insurance claims drive up costs - Car insurance companies in Kansas award cheaper rates to insureds who are claim-free. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, business owners and dentists tend to have the highest average rates in part from high stress levels and lengthy work days. Other professions such as actors, historians and homemakers receive lower rates.
  • Pay less after the wedding - Being married can actually save you money on your policy. It means you're more responsible it has been statistically shown that being married results in fewer claims.

Auto insurance ads bend the truth

Kansas drivers can't get away from ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you switch to their company.

How can each company say the same thing? This is how they do it.

All companies are able to cherry pick for the driver that is profitable for them. An example of a desirable insured might be profiled as over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get the preferred rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher rates and ends up with business not being written. The ads state "drivers who switch" not "people who quote" save that much. That's the way companies can truthfully advertise the way they do. Because of the profiling, drivers must get as many comparisons as possible. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

A tidy conclusion

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest price.

Cheaper auto insurance can be found on the web and also from your neighborhood Osawatomie agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Even more information is available at the Kansas Insurance Department website. Kansas drivers can read enforcement actions against agents and companies, report car insurance fraud, read consumer alerts, and download brochures.