Car Insurance in Burdett - 10 Discounts You Might be Missing

Overpriced car insurance can overdraw your bank account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to cut your insurance bill.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with TV and radio ads and it can be hard to sift through the bull and find the best price available.

It's important to do rate comparisons on a regular basis since rates are constantly changing. Even if you got the best rates a couple years back you may be paying too much now. There is a lot of bad advice regarding car insurance online, so we're going to give you some great ways to slash your car insurance rates.

How to Lower Your Car Insurance Cost in Burdett, Kansas

There are several ways to get quotes from local Burdett car insurance companies. The recommended way to compare insurance prices is to get quotes online. This can be accomplished in several different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form prevents you from having to do a different quote for each company. One form submission compares rates .

A more time consuming way to compare rate quotes is going to the website for each individual company to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . You would have to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Burdett, click here.

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverage limits and deductibles on every quote you get. If you have different liability limits you can't possibly determine which rate is truly the best in Burdett. Having just a slight variation in limits can mean a large discrepancy in price. Just remember that more quotes will increase your chances of finding the best rates.

Burdett car insurance quote

Take advantage of discounts

Car insurance is not cheap, but you may find discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked about before you get the savings.

  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Accident Waiver - A handful of insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Own a Home - Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Early Signing - Some companies give discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Good Student Discount - Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Resident Student - Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Multi-policy Discount - When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.

Keep in mind that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, it just doesn't work that way. But any discount will reduce your overall premium however.

For a list of providers offering car insurance discounts in Burdett, click this link.

More information can be read on the website for the Kansas Insurance Department found here. Visitors are able to read consumer alerts, learn about insurance regulations, view a list of available companies, and report car insurance fraud.

Final considerations

As you go through the steps to switch your coverage, it's not a good idea to reduce needed coverages to save money. Too many times, drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Affordable car insurance can be found both online and with local Burdett insurance agents, and you need to price shop both to have the best selection. Some car insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.