5 Simple Methods to Slash Car Insurance Costs in Columbus, KS

Are you overwhelmed by the sheer number of car insurance choices in Columbus? Many other consumers are too. People have so many choices that it can turn into a real challenge to find the best price.

If you have a policy now or are shopping for new coverage, you can learn to get lower rates and still get good coverage. Finding the cheapest car insurance in Columbus is not that difficult. Kansas drivers only need an understanding of the proper methods to get comparison quotes on the web.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be specially asked for before being credited. If they aren't giving you every credit possible, you are throwing money away.

  • Accident Free - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Low Mileage Discounts - Low mileage vehicles can earn better rates on cars that stay parked.
  • Clubs and Organizations - Belonging to certain professional organizations could trigger savings when shopping for car insurance.
  • Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

Consumers should know that many deductions do not apply the the whole policy. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will cut your overall premium however.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, Allstate and GEICO. They all make the same claim of big savings if you change to them.

How do they all make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer could be between 30 and 50, has no tickets, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be quoted higher prices which leads to business going elsewhere. The ads say "drivers who switch" not "people who quote" save money. That's the way insurance companies can confidently state the savings.

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

Find out more about car insurance

Additional car insurance information can be found on the Kansas Insurance Department website. Click here for link. Consumers can read industry bulletins, find disaster information, and find out which companies have the most complaints.

car insurance in Columbus

A tidy conclusion

Insureds leave their current company for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, questionable increases in premium and even lack of trust in their agent. No matter why you want to switch, switching car insurance companies is less work than it seems.

Cost effective car insurance can be sourced from both online companies and with local Columbus insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.