Ulysses Auto Insurance For Less Than You're Paying Now

Buying affordable Ulysses auto insurance on the web can be impossible for consumers new to comparison shopping online. With so many choices of companies in the marketplace, how can you effectively compare the different rates to find the lowest rates?

More discounts equal less premium

Car insurance companies don't necessarily list every discount in an easy-to-find place, so we researched some of the best known as well as the least known ways to save on auto insurance.

  • Payment Discounts - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Memberships - Affiliation with certain professional organizations could trigger savings when shopping for auto insurance.
  • Student Driver Training - Have your child successfully complete driver's ed class in school.

Keep in mind that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurance companies offering auto insurance discounts in Ulysses, click this link.

compare Ulysses auto insurance rates

How to Get Cheap Auto Insurance in Ulysses, KS

Most companies such as State Farm, Allstate and GEICO allow you to get coverage price quotes on their websites. Getting online quotes is fairly simple as you simply type in your required coverages into the quote form. Once you submit the form, their system will obtain reports for credit and driving violations and returns pricing information based on many factors.

Quoting online streamlines rate comparisons, but the time it takes to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

There is a better way!

The preferred way to compare auto insurance pricing requires only one form that gets prices from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much more efficient. As soon as the form is sent, it is rated and you can choose any of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the policy. The entire process just takes a couple of minutes and may save quite a bit of money.

To quickly find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended you input the coverage information as shown on your current policy. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

Tips to Get Lower Ulysses Rates

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Theft deterrents lower rates - Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your vehicle from being stolen.
  • Where you live - Residing in small towns and rural areas can save you money when buying auto insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. City drivers tend to have traffic congestion and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Multi-policy discounts can save money - Most auto insurance companies provide better rates to people who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to compare rates to verify if the discount is saving money.
  • Do you have enough liability coverage? - Liability insurance is the protection when a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Choose a safe vehicle and save - Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you.

It's not one size fits all

When choosing the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone's needs are different.

Here are some questions about coverages that can help discover if you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Switch companies and save? Really?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all make the same claim that you can save if you switch your coverage to them. How do they all say the same thing?

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 50, has no prior claims, and chooses high deductibles. A propective insured who matches those parameters will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will be quoted higher premiums which leads to business not being written. The ad wording is "customers that switch" not "everyone that quotes" save that much money. This is how insurance companies can state the savings. This emphasizes why drivers must compare as many rates as you can. It's not possible to predict which insurance companies will give you the biggest savings.

Shop smart and save

Insureds switch companies for a number of reasons such as unfair underwriting practices, policy non-renewal, policy cancellation or questionable increases in premium. It doesn't matter why you want to switch choosing a new insurance company is actually quite simple.

When buying insurance coverage, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Affordable auto insurance can be found on the web as well as from independent agents in Ulysses, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and these small, regional companies work with independent agents.

Kansas auto insurance quotes

Learn more about auto insurance in Kansas

Additional detailed information is located at the Kansas Insurance Department website. Kansas drivers can view a list of available companies, view agent and company licensing information, and read consumer alerts.