Tightwads Tips for Saving on Stanley Car Insurance

Tired of scraping the payment together each month for car insurance? Your situation is no different than many other Kansas drivers. Drivers have so many to buy insurance from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices before your policy renews due to the fact that insurance rates are constantly changing. Just because you had the best price last year you can probably find a better price now. Ignore everything you know about car insurance because we're going to demonstrate the proper way to get good coverage at a lower rate.

Choosing the best insurance company for you in Stanley is easy if you know what you're doing. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Kansas vehicle owners just need to know the most effective way to shop their coverage around online.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with lower car insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate rates.

Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and burglary. The deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance.
Frequent car insurance claims increase rates - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Kansas generally give lower rates to people who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
Bad driving skills means higher rates - Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don't get tickets have lower premiums than bad drivers. Even a single ticket can bump up the cost by twenty percent. Drivers who have serious citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
With age comes lower rates - Youthful drivers in Kansas are statistically proven to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
Having a spouse can save you money - Having a spouse can actually save you money on car insurance. It translates into being more mature than a single person and it's proven that drivers who are married are more cautious.
Extra coverages can waste money - There are many extra bells and whistles that you can buy when buying car insurance. Coverages for personal injury protection, towing coverage and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
Don't sacrifice liability coverage - Liability insurance will protect you if ever you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.

More discounts equal less premium

Companies that sell car insurance don't always list all their discounts very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you're not getting every credit available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Stanley can save you money because owning a home is proof that your finances are in order.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
Good Students Pay Less - This discount can get you a discount of up to 25%. This discount can apply until age 25.
College Student - Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Senior Citizens - If you're over the age of 55, you may qualify for a small decrease in premiums.
Passive Restraint Discount - Factory air bags may earn rate discounts of more than 20%.
Drive Less and Save - Driving fewer miles can earn a substantially lower rate.
Sign Online - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
Multi-car Discount - Having more than one vehicle with the same company may reduce the rate for each vehicle.
One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.

Drivers should understand that some credits don't apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

To choose companies offering car insurance discounts in Kansas, click here.

Switch companies and save? Really?

Consumers in Kansas can't ignore all the ads for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim that you'll save big if you switch your coverage to them.

How does each company claim to save you money?

All companies can use profiling for the type of customer that makes them money. For example, a desirable insured might be a mature driver, is a homeowner, and has great credit. Any driver that hits that "sweet spot" will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards will have to pay a higher premium and this can result in the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much money. That's why companies can advertise the savings. Because of the profiling, you should get quotes from several different companies. You cannot predict the company that will give you the biggest savings.

Learn more today

More detailed Kansas car insurance information can be found at the Kansas Insurance Department website. Visitors are able to report car insurance fraud, download brochures, file complaints about a company, and read enforcement actions against agents and companies.

In the end, you save

Budget-conscious car insurance is available both online as well as from independent agents in Stanley, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

We just presented a lot of ways to save on car insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with a small local company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as .