6 Ways to Save on Car Insurance in Cedar Vale, KS

Beginners to buying insurance online might discover purchasing low-cost Cedar Vale car insurance nearly impossible.

compare Cedar Vale car insurance rates

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.

  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Low Mileage Discounts - Fewer annual miles can earn a substantially lower rate.

A little note about advertised discounts, some credits don't apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose insurance companies who offer car insurance discounts in Cedar Vale, click here.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim about savings after switching to their company. How do they all make the same claim?

All the different companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer could be between 30 and 50, owns a home, and chooses high deductibles. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be quoted higher rates and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully state the savings.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

Insurance agents can help

When buying adequate coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different.

For example, these questions might point out whether your personal situation might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Kansas?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

For more Kansas car insurance information

Additional information can be found on the Kansas Insurance Department website through this link. Consumers can view a list of available companies, read consumer alerts, and read enforcement actions against agents and companies.

Cedar Vale car insurance quote

Do the work, save more money

Drivers change insurance companies for many reasons like unfair underwriting practices, policy cancellation, not issuing a premium refund or even lack of trust in their agent. No matter why you want to switch, finding the right car insurance provider is easier than you think.

When buying insurance coverage, never buy poor coverage just to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Cheaper car insurance can be bought from both online companies and also from your neighborhood Cedar Vale agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.