Nobody I know cherishes buying car insurance, in particular when their premiums are too high.
Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the best price available.
It’s a good habit to get comparison quotes occasionally because prices change quite often. Just because you had the best price a year ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.
Great Bend Car Insurance Prices Online
There are a lot of ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You could waste time talking about coverages with insurance companies in Great Bend, or you could save time and use the web to get rate comparisons in just a few minutes.
Most of the larger companies take part in a program that allows shoppers to enter their policy data once, and each company returns a competitive quote for coverage. This system prevents you from having to do form submissions to every company. To get comparison pricing now click to open in new window.
The only drawback to comparing rates this way is you are unable to specify which carriers you will receive quotes from. If you would rather choose specific insurance companies to compare prices, we have a listing of car insurance companies in Kansas. Click here to view list.
It doesn’t matter which method you choose, just ensure you are comparing identical deductibles and coverage limits for each price quote. If you have higher or lower deductibles then you won’t be able to decipher which rate is best in Great Bend. Slightly different limits can result in a big premium difference. It’s important to know that comparing a large number of companies will increase your chances of finding a better price.
Is there deception in advertising?
Car insurance companies such as Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim that you’ll save big if you switch to them. How do they all claim to save you money? This is how they do it.
Different companies have a certain “appetite” for the right customer that makes them money. A good example of a profitable customer could possibly be a mature driver, insures multiple vehicles, and has a short commute. A propective insured that hits that “sweet spot” will get very good rates and therefore will cut their rates substantially.
Potential insureds who are not a match for this ideal profile will be charged a higher premium which usually ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently claim big savings. That is why it is so important to compare as many rates as you can. It’s just too difficult to predict which insurance companies will have the lowest rates.
These discounts can slash car insurance rates
Companies don’t list all their discounts very clearly, so the following is a list of both well-publicized as well as the least known car insurance savings.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
- Student Driver Training – Have your child take driver’s ed class if offered at their school.
- Own a Home – Owning a home in Great Bend can save you money because maintaining a house demonstrates responsibility.
- Government Employees – Simply working for the federal government can earn a discount up to 10% depending on your company.
- Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
- Distant Student – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
- More Vehicles More Savings – Insuring multiple cars or trucks with the same company could earn a price break for each car.
- One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
- Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.
To choose providers with the best car insurance discounts in Kansas, click here.
Price shop online but buy from a local Great Bend agent
Certain consumers would prefer to get advice from a local agent and there is nothing wrong with that. One of the great benefits of getting online price quotes is you can get lower rates but still work with a licensed agent.
By using this form (opens in new window), your information is instantly submitted to local insurance agents in Great Bend who will battle to get your business. There is no reason to visit any agencies since price quotes are sent to the email address you provide. How’s that for easy! It’s the lowest rates AND an agent nearby.
Picking an provider shouldn’t rely on just a cheap price. These questions are important to ask:
- Which company do they place the most coverage with?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are claims handled at the agent’s location?
- If your car is totalled, how to they determine the replacement cost?
- Is the agent and/or agency licensed to do business in Kansas?
- What insurance companies do they work with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Captive and independent Great Bend auto insurance agents
When looking for an insurance agent, you must know there are a couple types of insurance agents to choose from. Insurance agencies in Great Bend are either independent (non-captive) or captive.
Captive Insurance Agents
These agents are contracted to one company such as American Family, State Farm and Allstate. They usually cannot compare other company’s rates so they have to upsell other benefits. Captive agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
Listed below is a list of captive insurance agencies in Great Bend who can help you get rate quotes.
Farmers Insurance Group – 1815 11th St – Great Bend, KS 67530 – (620) 793-9378
American Family Insurance – – Great Bend, KS 67530 – (620) 793-8003
Shelter Insurance – 1920 16th St – Great Bend, KS 67530 – (620) 792-5470
State Farm Insurance – 1910 18th St # 1 – Great Bend, KS 67530 – (620) 792-3669
Farm Bureau Insurance – 4210 8th St – Great Bend, KS 67530 – (620) 792-1246
Independent Agencies or Brokers
These agents are not locked into one company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.
When shopping rates, we recommend you include price quotes from multiple independent agents to get the best comparison.
Shown below is a list of independent insurance agents in Great Bend that are able to give rate quotes.
Shawn Panzer Agency Inc – 2008 11th St – Great Bend, KS 67530 – (620) 792-9000
Mutual Of Omaha Insurance Co – 3100 Meadowlark Ln – Great Bend, KS 67530 – (620) 793-8320
Keller Real Estate and Insurance – 1102 Williams St – Great Bend, KS 67530 – (620) 792-2128
To view a complete directory of Great Bend insurance agents, go to this page.
Upon getting reasonable responses to all your questions and an affordable coverage quote, most likely you have located an insurance agency that is a good match to adequately provide car insurance.
Tailor your coverage to you
When choosing the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.
- Does my car insurance cover rental cars?
- When would I need rental car insurance?
- Do I pay less if my vehicle is kept in my garage?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Do no-fault laws apply in Kansas?
- Does my insurance cover a custom paint job?
- Can I afford low physical damage deductibles?
- When should my teen driver be added to my policy?
- Do I have any recourse if my insurance company denies a claim?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
More detailed Kansas car insurance information is available at the Kansas Insurance Department website. Kansas drivers can read consumer alerts, learn about specific coverages, find out which companies have the most complaints, and view a list of available companies.
One last thing about your coverage
Lower-priced car insurance can be purchased online in addition to many Great Bend insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate.