Tightwads Guide to Saving on Paola Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, you are not the only one feeling buyer's remorse.

Since consumers have many options when it comes to auto insurance, it's nearly impossible to locate the cheapest insurance company.

It's important to shop coverage around every six months because prices are constantly changing. Just because you found the best price last year you will most likely find a better rate today. Ignore everything you know about auto insurance because you're about to learn how to use online quotes to reduce your cost while improving coverage.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you quote, but a few need to be asked for before you get the savings.

  • Sign Online - A few companies will discount your bill up to fifty bucks just for signing your application online.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • No Charge for an Accident - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Clubs and Organizations - Participating in a professional or civic organization could trigger savings on auto insurance.

Keep in mind that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn't work that way. But any discount will help reduce the cost of coverage.

How can State Farm, GEICO and Progressive save drivers who switch?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads on television and other media. They all seem to make the same claim that you can save after switching your coverage to them. But how can every company make almost identical claims?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured could possibly be over the age of 50, has no driving citations, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say "customers that switch" not "everybody who quotes" save that much money. That's the way insurance companies can claim big savings.

Because of the profiling, you should get a wide range of price quotes. It's impossible to know which auto insurance company will give you the biggest savings.

Learn more about Kansas auto insurance

More information can be found on the website for the Kansas Insurance Department located here. Kansas consumers can get help finding coverage, find out which companies have the most complaints, learn about insurance regulations, and file complaints about a company.

Also read more on this site for Kansas auto insurance information and see this list of insurance agents in Paola.

Affordable insurance is out there

Affordable auto insurance can be sourced online as well as from independent agents in Paola, and you should be comparing both to have the best selection. A few companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

You just read many ideas to reduce auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as .