6 Discounts Clifton Consumers Forget when Buying Car Insurance

Consumers who are new to the process of buying insurance online will find shopping for cheap Clifton car insurance very challenging.

It's important to check car insurance prices occasionally since rates are constantly changing. If you had the best price last year there may be better deals available now. Block out anything you think you know about car insurance because you're about to find out one of the easiest ways to find better coverage at a better price.

Clifton car insurance comparison

Save big with these six discounts

Car insurance companies don't list all their discounts in a way that's easy to find, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • College Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Theft Prevention Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
  • Federal Employees - Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Air Bag Discount - Factory air bags or motorized seat belts can qualify for discounts up to 30%.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.

For a list of companies with the best car insurance discounts in Clifton, click here.

Finding Car Insurance in Clifton, KS

There are several ways to compare rate quotes from different Clifton insurance companies. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

One of the best ways to get quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for each company you want a rate for. A single form will return price quotes from car insurance companies with the best prices.It's the quickest way to get rates.

A different way to get quotes online consists of visiting each company's website and fill out their own quote form. For example, let's say you want to compare , and . To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method.

To view a list of companies in Clifton, click here.

The most time-consuming method of comparing rate quotes is to waste gas driving to different Clifton agent offices. The internet makes this process obsolete unless you prefer the professional advice that only a license agent can provide. It is possible to compare online quotes and still use a local agent and we'll cover that in a bit.

However you get your quotes, make absolute certain that you use exactly the same deductibles and coverage limits for each comparison quote. If you have different values for each quote it will be impossible to determine the lowest rate in Clifton. Slightly different limits can make a big difference in price. And when quoting car insurance, remember that quoting more will improve the odds of getting better pricing.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different.

These are some specific questions might point out if your situation might need an agent's assistance.

  • What are Kansas no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, complete this form.

Do the work, save more money

When trying to cut insurance costs, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate.

Drivers who switch companies do it for many reasons like not issuing a premium refund, policy non-renewal, extreme rates for teen drivers and policy cancellation. Whatever your reason, finding the right car insurance provider is not as hard as you think.

You just learned a lot of techniques to get a better price on car insurance. The key concept to understand is the more times you quote, the better chance you'll have of finding lower rates. Drivers may discover the lowest rates come from an unexpected company.