Comparing may seem to be difficult if you are one of the many people who have never used online price quotes. But don’t throw in the towel because online price shopping is actually quite simple.
You should make it a habit to check car insurance prices quite often because car insurance prices go up and down regularly. If you had the best rates six months ago you will most likely find a better premium rate today. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to find better rates and still maintain coverage.
Get lower rates by taking advantage of these seven discounts
Car insurance can cost a lot, but there could be significant discounts to cut the cost considerably. Certain reductions will be credited when you get a quote, but some must be inquired about prior to receiving the credit.
- Basehor Homeowners Pay Less – Just being a homeowner may trigger a policy discount on car insurance due to the fact that maintaining a home shows financial diligence.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
- Resident Student – who are attending college without a vehicle on campus could get you a discount.
- Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
- Government Employees – Federal government employees may reduce rates when you but check with your company.
- Multiple Policy Discount – When you combine your homeowners and auto insurance with one company you could get a discount of up to 20% off your total premium.
Keep in mind that some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But all discounts will help lower your overall bill.
A few popular companies and the discounts they provide are outlined below.
- GEICO may include discounts for multi-vehicle, federal employee, seat belt use, emergency military deployment, five-year accident-free, driver training, and good student.
- Travelers offers discounts for home ownership, IntelliDrive, hybrid/electric vehicle, continuous insurance, payment discounts, save driver, and driver training.
- Farm Bureau may offer discounts for driver training, safe driver, renewal discount, 55 and retired, multi-policy, and youthful driver.
- Liberty Mutual offers premium reductions for good student, teen driver discount, newly married, new move discount, and new graduate.
- American Family has discounts for Steer into Savings, TimeAway discount, good student, mySafetyValet, defensive driver, and air bags.
- Progressive offers discounts including good student, continuous coverage, homeowner, multi-vehicle, and multi-policy.
When getting a coverage quote, ask all the companies which discounts they offer. Savings may not apply to policies in every state. To locate providers who offer free car insurance quotes in Kansas, follow this link.
Comparing car insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You can spend countless hours discussing policy coverages with local insurance agents in Basehor, or you can utilize online quotes to get rate comparisons in just a few minutes.
Many companies take part in a program where insurance shoppers complete one form, and at least one company provides a quote based on the submitted data. This prevents consumers from doing quote forms to each individual car insurance company.
To find out how much you’re overpaying now click here to start a free quote.
The one downside to doing it this way is that consumers can’t choose which providers to get quotes from. If you would rather choose individual companies to request quotes from, we have assembled a list of car insurance companies in Kansas. Click here to view list.
It’s up to you which method you use, but be sure you’re using identical coverage data on every price quote you get. If you have different data it’s not possible to truly determine the lowest rate in Basehor. Just slight variations in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps improve the odds of finding the best offered rates. Some regional insurers cannot provide online quotes, so it’s recommended that you also compare rates from those companies as well.
Car insurance coverage information
Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Liability coverages – Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for things such as bail bonds, medical services, loss of income and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Kansas state law requires minimum liability limits of 25,000/50,000/10,000 but it’s recommended drivers buy better liability coverage.
Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, falling objects and vandalism. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, nursing services and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your vehicle.
Because many people only purchase the least amount of liability that is required (25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.
Collision coverages – Collision coverage covers damage to your vehicle caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as scraping a guard rail, driving through your garage door, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.
Lower rates by being persistent
As you prepare to switch companies, do not reduce needed coverages to save money. There are too many instances where someone sacrificed physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.
Cheaper car insurance is definitely available on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not have online price quotes and these smaller providers only sell through local independent agents.
People change insurance companies for a variety of reasons including poor customer service, unfair underwriting practices, high rates after DUI convictions and even denial of a claim. Regardless of your reason for switching companies, switching companies is easier than you think.
To learn more about car insurance in Kansas
Much more information about car insurance in Kansas can be read on the located here. Kansas consumers can report car insurance fraud, find out which companies have the most complaints, and read state legal mandates and laws.