Comparison shopping for Mission auto insurance is always difficult for beginners to comparison shopping online. There are so many options available that it can easily become a real hassle to locate the lowest price in Mission.
It’s a good idea to shop coverage around periodically due to the fact that insurance rates change regularly. Just because you had the best rates a year ago you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because I’m going to teach you one of the best ways to find lower rates on auto insurance.
Pricing the lowest cost auto insurance coverage in Mission is not that difficult. In a nutshell, everyone who shops for auto insurance will be able to reduce their rates. Although Kansas vehicle owners need to have an understanding of how the larger insurance companies price online insurance.
Be sure to get all your discounts
Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. A few discounts will automatically apply when you quote, but less common discounts must be manually applied in order for you to get them.
- Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
- E-sign – A few companies will give a small break for buying your policy on their website.
- Bundle and Save – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
- Low Mileage Discounts – Keeping the miles down can qualify you for better rates on cars that stay parked.
- Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
- Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce your overall premium however.
How do I know if I need professional advice?
When it comes to buying proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.
- When should I drop full coverage on my vehicle?
- Am I covered if I crash into my own garage door?
- Do all my vehicles need collision coverage?
- Does my policy cover my teen driver if they drive my company car?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Is pleasure use cheaper than using my vehicle to commute?
- What can I do if my company won’t pay a claim?
- Why is insurance for a teen driver so high in Mission?
- Do I really need UM/UIM coverage?
- I have good health insurance, so how much medical payments coverage do I need?
If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.
Is there deception in advertising?
Auto insurance providers like Allstate and Progressive consistently run ads on television and other media. They all say the same thing about savings if you change your policy. How does each company say the same thing?
Different companies have a certain “appetite” for the right customer that makes them money. For example, a preferred risk might be profiled as between the ages of 40 and 55, a clean driving record, and has a short commute. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential customers who fall outside this ideal profile will have to pay a more expensive rate which leads to business not being written. The ads say “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently state the savings.
Because of the profiling, you need to get a wide range of price quotes. You cannot predict the company that will give you the biggest savings.
More information about auto insurance
Additional auto insurance information is available on the Kansas Insurance Department website located here. Kansas drivers can discover disciplinary actions, read consumer alerts, report car insurance fraud, and learn about specific coverages.
Quote more, save more
As you prepare to switch companies, you should never buy poor coverage just to save money. In too many instances, an insured cut collision coverage only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at the best price, not the least amount of coverage.
People who switch companies do it for a variety of reasons including poor customer service, questionable increases in premium, high prices or policy cancellation. It doesn’t matter why you want to switch finding a new company is less work than it seems.
Throughout this article, we presented a lot of tips how to lower your auto insurance rates. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with a smaller regional carrier.