Is Your Hays Kansas Auto Insurance Leaving a Hole in Your Pocket?

Are you a victim of high-priced auto insurance? Believe me, there are many Hays consumers feeling the pinch from expensive auto insurance. With consumers having so many companies to choose from, it can be diffult for consumers to find the best insurer.

Finding the best rates in Hays is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Kansas drivers just need to understand the proper methods to compare prices on the web.

Where Can I Get Cheap Hays Auto Insurance?

Most major insurance companies such as State Farm, GEICO and Progressive provide pricing on their websites. Getting quotes doesn’t take a lot of time as you just type in your coverage preferences as requested by the quote form. After the form is submitted, their rating system collects your driving record and credit report and returns a price based on these factors. Online quotes simplifies rate comparisons, but the process of having to visit a lot of sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you are searching for the lowest auto insurance rates.

The easiest way to compare auto insurance pricing makes use of a single form to return rates from more than one company. It’s a real time-saver, requires less work, and makes online price comparison a lot less work. As soon as you send your information, it is rated and you can select your choice of the quotes that you receive. If you find a better price you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

In order to find out if lower rates are available, click here to open in new window and submit the form. If you have a policy now, it’s recommended you copy the coverages identical to your current policy. Doing this assures you will have a rate comparison for the exact same coverage.

Save $483 a year? Really?

Consumers can’t get away from ads for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing about savings after switching to them.

But how can every company make the same claim?

All the different companies are able to cherry pick for the right customer that makes them money. For instance, a driver they prefer might be profiled as over the age of 40, has no prior claims, and has a high credit rating. A driver who meets those qualifications will get very good rates and is almost guaranteed to save a lot of money.

Potential insureds who fall outside this ideal profile will be charged a higher premium which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much. That’s why insurance companies can confidently advertise the savings. That is why you need to get as many quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest rates.

Pay less by taking advantage of discounts

Car insurance companies do not advertise every discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill if your company offers it.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, auto insurance companies aren’t that generous.Kansas insurance prices

To see a list of companies with the best auto insurance discounts in Kansas, click here.

What happened to insurance agents?

A small number of people prefer to buy from a licensed agent and that is OK! Educated insurance agents can point out coverage gaps and give you peace of mind. One of the best bonuses of price shopping on the web is you may find better rates but also keep your business local.

After completing this quick form, your insurance data is sent to local insurance agents who will return price quotes for your coverage. There is no need to drive around as quotes are delivered straight to your inbox. Now that’s easy!

Selecting an provider requires more thought than just a cheap price. Agents should be asked these questions:

  • How often do they review policy coverages?
  • What insurance companies do they work with?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • If you have an accident, will your rates go up?
  • How much will you save each year by using a higher deductible?
  • Are there any discounts that you might be missing?

Hays insurance agencies come in two flavors

When searching for a good insurance agency, there are a couple of different agency structures from which to choose. Hays agents are classified as either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth mentioning how they differ since it can impact the type of agent you choose

Captive Insurance Agents

This type of agents can only write with one company and examples are Farmers Insurance or State Farm. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Listed below is a list of captive insurance agents in Hays who may provide you with rate quotes.

Farm Bureau Insurance – 2716 Plaza Ave – Hays, KS 67601 – (785) 628-2831
Shelter Insurance – 2705 Vine St # 9 – Hays, KS 67601 – (785) 625-5588
Allstate Insurance Co – 2819 Plaza Ave – Hays, KS 67601 – (785) 625-7100
State Farm Insurance – 339 E 8th St – Hays, KS 67601 – (785) 628-2312
Farmers Insurance Group – 738 E 8th St – Hays, KS 67601 – (785) 628-1294
American Family Insurance – 511 W 27th St – Hays, KS 67601 – (785) 628-2151

Independent Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with many different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.

When comparison shopping, it’s recommended you include price quotes from several independent insurance agents to have the most options to choose from.

Listed below are Hays independent insurance agents who can help you get price quotes.

Kansas insurance prices

Federated Insurance Co – 2017 Vine St – Hays, KS 67601 – (785) 625-6810
Insurance Sources – 2809 Hall St – Hays, KS 67601 – (785) 625-4883
Copper Agency – 2707 Vine St # 15 – Hays, KS 67601 – (785) 628-3612
Clarence Jacobs Jr Agency – 2001 Vine St – Hays, KS 67601 – (785) 625-5915
Henderson Agency – 1726 Volga Dr # B – Hays, KS 67601 – (785) 625-9093

To view a complete directory of Hays insurance agents, visit this site.

Upon getting reasonable responses to all your questions and an affordable coverage quote, you’ve probably found an insurance agent that meets your needs to properly service your auto insurance policy.

More detailed Kansas auto insurance information can be read at the Kansas Insurance Department website. Visitors are able to report car insurance fraud, read state legal mandates and laws, find a variety of consumer forms, and read consumer alerts.

Compare but don’t skimp

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped physical damage coverage only to discover later that they should have had better coverage. The ultimate goal is to get the best coverage possible at the best price while not skimping on critical coverages.

Affordable auto insurance can be bought both online and with local Hays insurance agents, and you should be comparing both to have the best selection. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We just showed you many ways to shop for auto insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.