Olathe Auto Insurance For Less Than You're Paying Now

Searching for the lowest cost Olathe auto insurance on the internet can seem to be somewhat difficult for people who are new to comparing rates online. With so many choices of insurance companies available, how can you even start to compare them all to find the cheapest rates?

It's important to compare rates quite often since insurance rates are constantly changing. If you had the best deal two years ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because it's time to teach you the only way to properly buy coverages and cut your premium.

Finding affordable coverage in Olathe is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using this information. Colorado drivers only need an understanding of the most effective way to compare rates online.

You have some control over your rates

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower auto insurance prices.

The list below includes some of the factors auto insurance companies consider when setting rates.

Teen drivers pay high rates - Teenage drivers in Colorado tend to be more careless when driving so auto insurance rates are higher. Parents adding a young driver to your auto insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Sex matters - Statistics have proven women tend to be less risk to insure than men. However, don't assume that men are worse drivers. Women and men have accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.
Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates.
How credit affects auto insurance rates - Credit rating is a important factor in determining what you pay for auto insurance. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit can use some improvement, you could save money insuring your by improving your rating.
An active claims history can cost you - Car insurance companies in Colorado provide discounts to policyholders who are claim-free. If you file claims often, you can look forward to higher rates. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Free Quotes for Auto Insurance in Olathe, Colorado

Reducing your insurance rates can be relatively painless. Consumers just need to invest a few minutes comparing rates provided by online insurance companies. This can be accomplished using a couple different methods.

The fastest way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method prevents you from having to do multiple quote forms for every auto insurance company. One form will return price quotes from multiple low-cost companies. Just one form and you're done.
A harder way to shop for auto insurance online consists of visiting each company's website to request a price quote. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.

For a list of links to companies insuring cars in Olathe, click here.
The least efficient way of comparing rate quotes is driving to and from local Olathe insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the professional guidance of a local Olathe agent. You can, however, find lower rates online but buy from a local insurance agent and we'll touch on that later.

Whichever way you use, make darn sure you compare apples-to-apples deductibles and coverage limits for each price quote. If you use different values for each quote it's impossible to truly determine the lowest rate in Olathe.

Policy discounts you shouldn't miss

Auto insurance companies do not list all their discounts very well, so here is a list some of the best known as well as the least known auto insurance savings. If you don't get every credit you deserve, you are paying more than you should be.

College Student - Children who live away from home without a vehicle on campus can receive lower rates.
Senior Discount - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
Service Members Pay Less - Having a deployed family member can result in better rates.
Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
Government Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
Bundle and Save - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
Good Student Discount - This discount can get you a discount of up to 25%. The discount lasts up to age 25.
Discount for Life Insurance - Larger companies have a break if you buy a life insurance policy as well.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

To choose companies with the best auto insurance discounts in Colorado, follow this link.

Save $429 a year? Really?

Colorado drivers can't ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings if you move to their company.

But how can every company say the same thing?

All companies have a preferred profile for the driver that makes them money. An example of a desirable insured might be profiled as a mature driver, insures multiple vehicles, and chooses high deductibles. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay higher premiums which usually ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently state the savings. Because of the profiling, you need to quote coverage with many companies. It's not possible to predict which insurance companies will give you the biggest savings.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Why does it cost so much to insure a teen driver in Olathe?
Should I buy additional glass protection?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage for damage caused while driving under the influence?
What are the best liability limits?
Should I buy only the required Colorado minimum liability coverage?
What happens if I owe more than my vehicle is worth?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

More tips and info about auto insurance is available at the Colorado DORA Division of Insurance website. Colorado drivers can read enforcement actions against agents and companies, learn about insurance regulations, and find disaster information.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Olathe.

In the end, you save

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford.

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, denial of a claim, unfair underwriting practices or even poor customer service. No matter why you want to switch, choosing a new insurance company is easier than you think.

Throughout this article, we presented many ways to compare auto insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with some of the lesser-known companies.