Lower Online Parsons Car Insurance Prices With These Tricks

Consumers not familiar with shopping for insurance online will find finding low-cost Parsons car insurance nearly impossible.

It's important to compare prices periodically because rates are constantly changing. Just because you found the best deal a couple years back there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because you're going to learn the only way to find lower rates on car insurance.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that play a part in calculating your car insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with big savings.

  • Teen drivers pay high rates - Young drivers in Kansas have a tendency to be more careless behind the wheel so they pay higher car insurance rates. If you've ever had to add a young driver to your car insurance policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • How's your driving record? - Careful drivers receive lower rates than their less careful counterparts. Just one moving violation can boost insurance rates twenty percent or more. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • What are your deductibles? - Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money you are required to pay out-of-pocket, the lower your rates will be.
  • Where you live can impact rates - Living in less populated areas can be a good thing when it comes to car insurance. City drivers regularly have much more traffic and longer commute times. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.

Parsons car insurance comparison

Parsons Car Insurance Comparisons

There are several ways to compare quotes from different Parsons insurance companies. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method keeps you from doing a different quote to each individual car insurance company. Just one form gets you price quotes . It's definitely the quickest method.
  2. Another way to compare rate quotes requires a trip to each company's website and fill out their own quote form. For example, we'll assume you want to compare , and . To find out each rate you need to visit each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in Parsons, click here.
  3. The least efficient method of getting rate comparisons is to drive around to different Parsons agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the trained guidance only provided by licensed Parsons agents. You can, however, find lower rates online and still use a local agent and we'll talk about that later.

Whichever way you use, be sure to compare identical quote information for each comparison quote. If you compare mixed coverages it will be next to impossible to determine the lowest rate in Parsons. Just a small difference in coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps you find a better price.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked about before being credited.

  • New Car Discount - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Good Student - This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Multiple Cars - Insuring all your vehicles with the same company could earn a price break for each car.
  • Bundle and Save - If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
  • Homeowners Savings - Owning a house in Parsons may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • 55 and Retired - If you're over the age of 55, you may receive better car insurance rates.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down your overall premium however.

To choose companies with discount car insurance rates in Kansas, follow this link.

Are car insurance companies telling the truth?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to say the same thing about savings if you change to their company. How does each company make the same claim?

All the different companies have a certain "appetite" for the driver that makes them money. An example of a desirable insured could be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. A customer who fits that profile gets the lowest rates and most likely will save when switching.

Consumers who don't qualify for these standards will have to pay higher prices which usually ends up with business going elsewhere. The ads say "people who switch" not "people who quote" save that much. That is how companies can truthfully advertise the way they do.

Because of the profiling, you need to compare many company's rates. Because you never know which company will provide you with the cheapest rates.

How to know if you need help

When buying proper insurance coverage for your vehicles, there isn't really a best way to insure your cars. Each situation is unique.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Kansas?
  • Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Additional information is available on the Kansas Insurance Department website through this link. Consumers can read enforcement actions against agents and companies, file complaints about a company, and report car insurance fraud.

Other informative sites include Auto Insurance 101 and this page where you can research Parsons insurance agents.

Kansas car insurance

Affordable insurance is out there

As you go through the steps to switch your coverage, make sure you don't reduce coverage to reduce premium. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage at an affordable rate.

We just showed you many ways to compare car insurance prices online. It's most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a company that doesn't do a lot of advertising.

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Parsons agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.