How to Find Cheap Protection Car Insurance

If you've never shopped for car insurance online, you can be overwhelmed because of the huge number of car insurance companies all offering big savings in Protection.

It's important to compare prices periodically due to the fact that insurance rates are constantly changing. Even if you got the best deal six months ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about car insurance because I'm going to teach you the only way to find lower rates on car insurance.

Take advantage of discounts

Companies that sell car insurance don't necessarily list all their discounts very clearly, so here is a list both the well known and also the lesser-known ways to save on car insurance. If you're not getting every credit you qualify for, you are throwing money away.

Accident Forgiveness - Certain companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
Good Student - Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
College Student - Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
Early Switch Discount - Some companies give discounts for buying a policy prior to your current policy expiring. It's a savings of about 10%.
Bundle and Save - If you have multiple policies with the same company you may earn 10% to 20% off each policy.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the rating factors that help determine the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that may reward you with better car insurance rates.

Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women tend to get into accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
Bad driving skills means higher rates - Careful drivers get better rates compared to drivers with tickets. Only having one moving violation can boost insurance rates twenty percent or more. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
Where you live can impact rates - Living in a small town can be a good thing when talking about car insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
Older drivers pay less - Youthful drivers in Kansas are known to be more careless behind the wheel so they pay higher car insurance rates. If you've ever had to add a young driver to your car insurance policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.

These are some specific questions may help highlight whether your personal situation may require specific advice.

Does my policy cover me when driving someone else's vehicle?
Should I buy only the required Kansas minimum liability coverage?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Protection?
Does my car insurance cover rental cars?
Am I covered when driving in Canada or Mexico?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and you can get the answers you need.

Are car insurance companies telling the truth?

Consumers in Kansas get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to make the same claim about savings after switching to their company.

How does each company claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the driver that earns them a profit. An example of a desirable insured might be over the age of 50, a clean driving record, and has a high credit rating. Any driver who matches those parameters will get very good rates and most likely will save when switching.

Consumers who don't qualify for these standards will have to pay higher prices which leads to the customer not buying. The ads say "customers who switch" not "people who quote" save that much. That is how companies can truthfully state the savings. Because of the profiling, drivers should get quotes from several different companies. You cannot predict which company will have the lowest rates.

Even more information is available at the Kansas Insurance Department website. Visitors are able to learn about insurance regulations, file complaints about a company, and view agent and company licensing information.

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

In the end, you save

Cheaper car insurance can be purchased both online and also from your neighborhood Protection agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We just presented many ideas to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small mutual company.

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. In many cases, someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best price.