5 Discounts Park Drivers Forget when Buying Car Insurance

If you're new to shopping for car insurance online, it's easy to get overwhelmed by the large number of car insurance companies all offering big savings in Park.

More discounts equal less premium

Insuring your fleet can be pricey, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but some must be requested specifically before being credited.

  • Military Rewards - Having a family member in the military can result in better rates.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will bring down your premiums.

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It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads in print and on television. They all make the same claim about savings if you move to them. How does each company claim to save you money?

Different companies have a certain "appetite" for the type of driver that earns them a profit. An example of a driver they prefer might be a mature driver, a clean driving record, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and therefore will save when switching.

Consumers who do not match these standards will be quoted higher prices which leads to the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save money. That is how companies can truthfully state the savings.

This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

Additional information is available on the Kansas Insurance Department website located here. Visitors are able to find disaster information, find out industry alerts, and view a list of available companies.

Also read more on this page for car insurance prices in Kansas and this page of Park insurance agents.

Kansas car insurance

Do the work, save more money

Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, poor customer service, delays in paying claims and even policy non-renewal. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.

We just covered some good ideas how to reduce car insurance prices online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies.

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.