9 Discounts Tonganoxie Shoppers Forget when Buying Car Insurance

Overpriced car insurance can dwindle your savings account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Certain discounts will be applied at the time of quoting, but a few must be asked about before you will receive the discount.

  • More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company could earn a price break for each car.
  • Own a Home - Owning a home in Tonganoxie may earn you a small savings because of the fact that having a home shows financial diligence.
  • Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education in high school.
  • Military Rewards - Having a family member in the military can result in better rates.
  • Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Good Student Discount - This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with better rates on cars that stay parked.
  • Paperless Signup - Certain companies will give a small break just for signing your application digitally online.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

Keep in mind that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way. But any discount will reduce the amount you have to pay.

To choose insurers with the best car insurance discounts in Tonganoxie, click this link.

Is there truth in advertising?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies make the same claim that you can save if you move to them. How can each company make the same claim?

All companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements must pay more money which leads to business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save money. This is how insurance companies can advertise the way they do.

This illustrates why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

For more Kansas car insurance information

More information is located on the website for the Kansas Insurance Department through this link. Consumers can find out which companies have the most complaints, get help finding coverage, download brochures, and view a list of available companies.

Final considerations

Affordable car insurance is possible from both online companies and with local Tonganoxie insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's not a good idea to buy poor coverage just to save money. In too many instances, drivers have reduced collision coverage and learned later that the savings was not a smart move. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.