6 Ways You Can Buy Car Insurance for Less in Paola, KS

Comparing and finding more affordable rates for Paola car insurance could be nearly impossible for drivers who are new to shopping for insurance online. With so many companies competing online, it can turn into more work than you anticipated to lower your prices.

Finding affordable coverage in Paola is not rocket science. If you have insurance now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Kansas vehicle owners only need an understanding of the most efficient way to get comparison rates online.

Car insurance policy discounts you can’t miss

Some companies don’t always advertise every possible discount very well, so we researched a few of the more common and also the lesser-known car insurance savings.

  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
  • Paper-free Discount – A handful of companies will provide an incentive for signing up online.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it can save substantially.
  • Active Military Service – Being deployed in the military could be rewarded with lower premium rates.
  • College Student Discount – Older children living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.
  • Government Employee Discount – Federal government employees may reduce rates when you depending on your company.

Discounts save money, but please remember that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.

For a list of car insurance companies that offer some of these discounts in Kansas, click here.

Many insurance companies like Geico, State Farm and Progressive allow you to get prices for coverage on their websites. Doing online quotes is very simple because you just enter as requested by the quote form. Once entered, their system will obtain credit information and your driving record and quotes a price based on the information you submitted.

Being able to quote online makes it easy to compare insurance prices but the process of having to visit several different sites and type in your information is a big time waster. But it’s also necessary to get many rate quotes if you want to find the lowest price.

Quote rates the easy way

The quickest way to compare rates is to use a quote form to obtain quotes from multiple companies. It saves time, reduces the work, and makes online shopping much more enjoyable. After your information is entered, your coverage is rated and you can select any of the quote results. If you find a better price you can simply submit the application and purchase coverage. It takes just a few minutes to complete and may save quite a bit of money.free Paola insurance quote

To find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. This guarantees you are getting rate comparison quotes for the exact same coverage.

Car insurance coverage breakdown

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

Collision insurance covers damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, backing into a parked car, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability insurance

This can cover damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, funeral expenses and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Kansas requires drivers to carry at least 25,000/50,000/10,000 but drivers should carry higher limits.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, rock chips in glass, hitting a bird and hail damage. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills such as nursing services, X-ray expenses and surgery. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

free Paola insurance quote

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your vehicle.

Due to the fact that many Kansas drivers have only the minimum liability required by law (25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

More comparisons equals lower rates

As you prepare to switch companies, never reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage only to regret at claim time that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

Budget-friendly car insurance is available both online and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some companies may not offer online rate quotes and usually these smaller companies prefer to sell through independent insurance agencies.

Drivers switch companies for any number of reasons including delays in responding to claim requests, denial of a claim, delays in paying claims or even high rates after DUI convictions. It doesn’t matter what your reason, switching car insurance companies is pretty easy and you might even save some money in the process.