Finding the Cheapest Courtland Auto Insurance

I can't think of a single person who looks forward to paying for auto insurance, in particular when their premiums are through the roof. Big companies like GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates periodically because prices are constantly changing. Even if you got the lowest rates last year you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

If you have a current auto insurance policy or need a new policy, you can learn to find better prices and possibly find even better coverage. Buying car insurance in Courtland is quite easy. Kansas drivers only need an understanding of the tricks to get comparison rates over the internet.

Save big with these discounts

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be asked for before they will apply. If you aren't receiving every discount you qualify for, you are throwing money away.

Early Switch Discount - A few companies offer discounts for switching policies prior to your current policy expiring. It's a savings of about 10%.
Good Student - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
Discount for New Cars - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
No Accidents - Good drivers with no accidents can save substantially compared to drivers who are more careless.
Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Theft Prevention System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

It's important to understand that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will reduce your overall premium however.

But I don't know anything about car insurance

When it comes to buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation may require specific advice.

Does my car insurance cover rental cars?
Should I buy only the required Kansas minimum liability coverage?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?
Can I afford to buy a different vehicle if my vehicle is totaled?
What are Kansas no-fault laws?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Auto insurance ads bend the truth

Kansas consumers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. All the ads say the same thing of big savings after switching to their company.

How can each company make almost identical claims?

All the different companies have a certain "appetite" for the driver that earns them a profit. For example, a preferred risk could possibly be over the age of 50, a clean driving record, and has great credit. A customer getting a price quote who fits that profile will get very good rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will be charged higher rates which usually ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "people who quote" save that much. That is how insurance companies can confidently advertise the savings.

That is why you should compare many company's rates. It's impossible to know which company will give you the biggest savings.

Additional Kansas consumer information

Additional auto insurance information can be found on the website for the Kansas Insurance Department through this link. Kansas consumers can learn about specific coverages, file complaints about a company, file complaints about an insurance agent or broker, and read industry bulletins.

Best coverage at the best price

You just read a lot of information how to reduce auto insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from a company that doesn't do a lot of advertising. Regional companies can often provide lower rates in certain areas than their larger competitors like .

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Low-cost auto insurance can be purchased online and also from your neighborhood Courtland agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.