Cutting costs on Dodge City auto insurance can be difficult for beginners to shopping for insurance online. People have so many options available that it can be a challenge to find lower rates in Dodge City.
You should make it a habit to price shop coverage on a regular basis because rates are variable and change quite frequently. Even if you got the lowest price a year ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because we’re going to show you how to use online quotes to reduce your cost while increasing coverage.
Compare Dodge City Auto Insurance Costs
There are a lot of ways to compare auto insurance prices and some are less time-consuming than others. You can waste a few hours (or days) talking to insurance agencies in Dodge City, or you could save time and use the web to get pricing more quickly.
Many popular insurance companies take part in a program that enables customers to send in one quote, and at least one company can give them a price based on that data. This saves time by eliminating quote requests to every company. To compare pricing click here to open in new window.
One minor caviat to doing it this way is that you can’t choose the providers you want to price. If you would rather choose individual companies to compare rates, we put together a list of companies who write auto insurance in Kansas. View list of Kansas insurance companies.
It’s up to you which method you use, but make darn sure you compare identical coverage information for each price quote. If each company quotes higher or lower deductibles you will not be able to find the best deal in Dodge City. Having just a slight variation in coverages could mean much higher rates. And when comparing auto insurance rates, know that more quotes will improve the odds of getting a lower rate.
Save money by taking advantage of these discounts
Insurance can cost an arm and a leg, but there are discounts available that you may not know about. Some trigger automatically when you purchase, but some must be inquired about before you will receive the discount.
- Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy could earn a price break for each car.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Homeowners Savings – Owning a house in Dodge City can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
- Paperwork-free – Some insurance companies will give a small break just for signing your application on their website.
- Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
- No Accidents – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
- Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates when buying auto insurance.
- Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
- Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will cut your overall premium however.
To see a list of companies offering auto insurance discounts in Dodge City, click this link.
Additional Kansas car insurance resources
More information is available on the Kansas Insurance Department website through this link. Kansas consumers can find disaster information, report car insurance fraud, and find out which companies have the most complaints.