Tightwads Tips for Saving on Richmond Auto Insurance

I can't think of anyone who cherishes buying auto insurance, in particular when the cost is too high.

Drivers have multiple to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to compare rates.

Locating affordable auto insurance coverage in Richmond can be fairly easy. In a nutshell, everyone who is required by state law to have auto insurance stands a good chance to be able to cut their insurance bill. But Kansas drivers do need to know the way insurance companies market on the web.

Richmond Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

Claim-free discounts can add up - Companies in Kansas provide lower rates to people who are claim-free. If you file claims often, you can definitely plan on higher rates. Your insurance policy is designed for larger claims.
Discounts for multiple policies - The majority of companies provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to comparison shop to ensure the best deal.
Rates may be higher depending on your occupation - Careers like real estate brokers, architects and financial analysts tend to have higher average rates in part from stressful work requirements and long work days. Conversely, occupations like scientists, engineers and the unemployed receive lower rates.
Marriage pays dividends - Getting married actually saves money when buying auto insurance. Having a significant other means you're more mature than a single person it has been statistically shown that married couples file fewer claims.

Finding Auto Insurance in Richmond, KS

Shopping for lower auto insurance rates is a ton of work if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Richmond, or you can stay home and use online quoting to achieve your goal.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each company returns a competitive quote for coverage. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify which providers to get quotes from. If you would rather choose from a list of companies to compare, we have a page of the cheapest auto insurance companies in Kansas. View list of Kansas insurance companies.

Whichever way you use, make absolute certain that you use identical coverages with every price quote. If you use different limits and deductibles on each one it will be very difficult to find the best deal in Richmond. Just a small difference in insurance coverages may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes helps locate lower pricing.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be manually applied prior to getting the savings.

Federal Employees - Employees or retirees of the government could cut as much as 10% off with a few auto insurance companies.
Multiple Policy Discount - If you insure your home and vehicles with one company you may earn at least 10% off all policies.
No Accidents - Good drivers with no accidents pay less when compared to accident-prone drivers.
Paperwork-free - A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
Save over 55 - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
Organization Discounts - Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.
Low Mileage Discounts - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class in high school.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, companies don't profit that way. But all discounts will bring down the amount you have to pay.

To choose insurance companies with the best auto insurance discounts in Kansas, follow this link.

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing that you'll save big if you move to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the driver that makes them money. A good example of a driver they prefer could possibly be a mature driver, owns a home, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can make the claims of big savings.

This emphasizes why you need to get a wide range of price quotes. It's impossible to know which company will fit your personal profile best.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is unique so your insurance needs to address that. For example, these questions might point out whether or not you would benefit from professional advice.

Am I covered if I drive in a foreign country?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?
Does my liability insurance cover pulling a trailer or camper?
Can I afford to buy a different vehicle if my vehicle is totaled?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Much more information about auto insurance in Kansas can be read on the website for the Kansas Insurance Department. Click here for link. Kansas consumers can download brochures, read consumer alerts, read industry bulletins, and get help finding coverage.

The best insurance company isn't always the cheapest

As you shop your coverage around, never reduce coverage to reduce premium. There are too many instances where an insured cut full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

Discount auto insurance is definitely available online and also from your neighborhood Richmond agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online price quotes and these small insurance companies work with independent agents.