Easy Techniques to Spend Less on Clyde Car Insurance

If you're new to shopping for car insurance online, it's easy to be confused by the vast number of car insurance companies competing for business in Clyde.

You have some control over your rates

Consumers need to have an understanding of the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Keep rates low by being claim-free - If you file claims often, you can look forward to either policy cancellation or increased premiums. Companies in Kansas award cheaper rates to drivers who are claim-free. Your insurance policy is intended for larger claims.
  • How many coverages with the same company - Many insurers provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount, it's in your best interest to comparison shop to ensure the best deal.
  • Men pay higher rates - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes tend to get into accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Young males tend to get in the most accidents and are penalized with high car insurance rates.
  • Save money with special equipment - Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.

Automobile Insurance Quotes in Clyde, KS

There are several ways of comparing rates from different Clyde insurance companies. One of the best ways to find the cheapest insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. A single form will get you rate comparisons from multiple companies. It's the fastest way to compare.
  2. A slightly less efficient method to get quotes online requires you to visit the website of each company to complete a price quote. For example, we'll pretend you want to compare , and . To get each rate you have to visit each site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Clyde, click here.
  3. The least recommended method to get comparison rates is driving to insurance agents' offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional advice that only a license agent can provide. However, consumers can find lower rates online and still use a local agent and you'll learn how to do that later.

It's up to you which method you use, but make absolute certain that you use exactly the same coverage information with each company. If you compare unequal deductibles or liability limits you will not be able to make an equal comparison in Clyde. Quoting even small variations in limits may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes will increase your chances of finding the best offered rates.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some must be specifically requested before you will receive the discount.

  • Federal Employees - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Senior Citizens - If you're over the age of 55, you may be able to get better car insurance rates.
  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Distant Student - Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.

It's important to note that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, you're out of luck. But any discount will reduce your overall premium however.

To choose insurance companies who offer car insurance discounts in Clyde, click here to view.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise that you can save after switching to their company. How can each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the driver that makes them money. An example of a driver they prefer might be a mature driver, owns a home, and has excellent credit. Any driver who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be quoted more money and ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. That is how insurance companies can make those claims.

This emphasizes why you need to get as many quotes as possible. You cannot predict which company will have the lowest rates.

But I don't know anything about car insurance

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured's situation is different.

These are some specific questions might point out if your situation would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Do I need PIP (personal injury protection) coverage in Kansas?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • When do I need to add a new car to my policy?

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form.

More information is available on the Kansas Insurance Department website. Click here for link. Visitors are able to download brochures, read consumer alerts, and learn about insurance regulations.

Clyde car insurance quote

The best insurance company isn't always the cheapest

People change insurance companies for any number of reasons including extreme rates for teen drivers, policy cancellation, denial of a claim or even unfair underwriting practices. Whatever your reason, switching car insurance companies is easier than you think.

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Lower-priced car insurance can be bought both online and also from your neighborhood Clyde agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide online price quotes and these smaller companies work with independent agents.