Tightwads Guide for Saving on Rolla Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you there are many Rolla consumers feeling the pinch from expensive auto insurance.

Companies like State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates every six months since insurance rates are constantly changing. Even if you think you had the best rates on your last policy you may be paying too much now. There is a lot of bad advice regarding auto insurance online but we're going to give you some great ways to slash your auto insurance rates.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Rolla is easy if you know what you're doing. But Kansas vehicle owners do need to know the way companies market insurance on the web.

How to Compare Auto Insurance Quotes in Rolla, Kansas

Most major insurance companies give coverage prices online. Getting online quotes is pretty painless as you simply enter the coverages you want into the quote form. Behind the scenes, their system will obtain information on your driving record and credit history and generates pricing information based on these and other factors. Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

A less time-consuming method to lower your rates requires only one form to return rates from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable and efficient. After sending your information, your coverage is rated with multiple companies and you can pick your choice of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out how much you're overpaying now, click here and submit your coverage information. If you have your current policy handy, we recommend you enter the limits and deductibles just like they are on your policy. This way, you will receive rate quotes based on similar coverages.

Rolla auto insurance quote

Rolla Rates are Influenced by These Factors

It's important that you understand some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

Shown below are some of the items auto insurance companies consider when setting your rates.

  • More than one policy can earn a discount - Some companies give discounts to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to shop around to ensure the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • Don't sacrifice liability coverage - Your policy's liability coverage provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. Safer cars reduce injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders.
  • An active claims history can cost you - Insurance companies in Kansas provide cheaper rates to people who are claim-free. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Save money with special equipment - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Men are more aggressive - Statistics demonstrate women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. Women and men cause accidents at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but some may not be applied and must be inquired about before you will receive the discount.

  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Club Memberships - Affiliation with a civic or occupational organization could qualify you for a break on your policy.
  • Low Mileage - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class if offered at their school.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Senior Discount - Older drivers may receive better auto insurance rates.
  • Safety Course Discount - Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • No Accidents - Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • New Vehicle Savings - Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.

Drivers should understand that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will reduce your premiums.

For a list of providers with discount auto insurance rates in Rolla, follow this link.

Much more information about auto insurance in Kansas can be read on the website for the Kansas Insurance Department through this link. Kansas drivers can read consumer alerts, find out which companies have the most complaints, find disaster information, and download brochures.

Do the work, save more money

When you buy insurance online, it's not a good idea to reduce needed coverages to save money. Too many times, someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Budget-conscious auto insurance is attainable on the web and also from your neighborhood Rolla agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.