Waverly Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance options in Waverly? Lot's of other consumers are too. Consumers have so many choices that it can turn into a lot of work to find better rates.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Some trigger automatically when you quote, but some may not be applied and must be specially asked for before you get the savings.

  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Clubs and Organizations - Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance.
  • Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Discount - Owning a home in Waverly can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.

Keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. 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 bring down the amount you have to pay.

auto insurance in Waverly

Save $429 a year? Really?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies make an identical promise that you can save if you change your policy. How does each company say the same thing?

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a profitable customer might be profiled as between 25 and 40, has no driving citations, and chooses high deductibles. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards must pay a higher premium and ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can state the savings.

This illustrates why you should get as many quotes as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Kansas auto insurance

More information can be read on the Kansas Insurance Department website located here. Kansas drivers can find disaster information, find out which companies have the most complaints, and get help finding coverage.

Shop smart and save

Affordable auto insurance can be sourced on the web in addition to many Waverly insurance agents, so you should compare both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

People leave their current company for a number of reasons such as delays in responding to claim requests, questionable increases in premium, lack of trust in their agent and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is less work than it seems.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.