Free Guide to Paying Less for Whitewater Auto Insurance Online

Tired of being strong-armed each month for car insurance? Your situation is no different than the majority of other car owners in Kansas. There is such a variety of to pick from, and even though it's nice to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. Even if you got the lowest price on your last policy a different company probably has better rates today. Ignore everything you know about auto insurance because we're going to demonstrate the tricks you need to know to get good coverage at a lower rate.

Policy discounts you shouldn't miss

Companies don't always advertise all their discounts very clearly, so we researched some of the best known as well as the least known auto insurance savings. If you're not getting every credit available, you are throwing money away.

  • Senior Discount - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • New Vehicle Savings - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with select insurance companies.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, auto insurance companies aren't that generous.

Whitewater auto insurance comparison

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

The following are a partial list of the pieces that factor into rates.

  • Do men or women drive better? - The statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Equipment add-ons that lower auto insurance rates - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Big city or small town - Being located in a rural area can be a good thing when buying auto insurance. City drivers tend to have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Pleasure use saves money - Driving more miles every year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Too many auto insurance claims drive up costs - Car insurance companies in Kansas provide lower rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, architects and financial analysts are shown to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like farmers, engineers and performers pay the least.
  • Never allow your policy to lapse - Allowing your auto insurance policy to lapse will be a guaranteed way to increase your auto insurance rates. Not only will rates go up, but not being able to provide proof of insurance will get you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with the Kansas motor vehicle department.

Save $429 a year? Really?

Kansas drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings after switching your policy.

How does each company say the same thing?

All companies can use profiling for the right customer that earns them a profit. For instance, a desirable insured might be profiled as a mature driver, has no tickets, and has great credit. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate which usually 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 why companies can truthfully advertise the savings. Because of the profiling, drivers should compare many company's rates. It's not possible to predict the company that will fit your personal profile best.

Even more information is located at the Kansas Insurance Department website. Kansas drivers can learn about insurance regulations, view a list of available companies, view agent and company licensing information, and file complaints about an insurance agent or broker.

Also read more on this Car Insurance FAQ and this page of insurance agents in Whitewater.

compare Whitewater auto insurance rates

A tidy conclusion

When you buy insurance online, make sure you don't skimp on coverage in order to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at a price you can afford.

Cheap auto insurance can be purchased on the web in addition to many Whitewater insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.