10 Tricks to Save on Car Insurance in Ellis

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say you are not the only one feeling buyer's remorse. Having so many options when it comes to car insurance, it can be impossible to find the cheapest insurance company.

It's important to do rate comparisons every six months since rates are constantly changing. Despite the fact that you may have had the best rates last year there is a good chance you can find better rates now. There is a lot of wrong information about car insurance online but I'm going to show you some great ways to reduce your car insurance bill.

Kansas car insurance quotes

How to Compare Car Insurance Quotes in Ellis, Kansas

All major car insurance companies provide pricing directly from their websites. Getting quotes is pretty easy as you just type in the coverages you want as detailed in the form. After the form is submitted, the system will obtain your credit score and driving record and returns a price quote based on many factors. This makes comparing rates easy, but the process of having to visit different websites and complete many quote forms is monotonous and tiresome. But it's very important to compare as many rates as possible if you want to find the best price on car insurance.

The preferred way to lower your rates is to use a quote form that obtains quotes from multiple companies. The form is fast, reduces the work, and makes rate comparisons much more enjoyable. Immediately after submitting the form, it gets priced and you can select any or none of the resulting price quotes. If a lower price is quoted, you can click and sign and buy the new coverage. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter deductibles and limits identical to your current policy. This makes sure you will have an apples-to-apples comparison for the exact same coverage.

Are you getting all your discounts?

Car insurance companies do not list all their discounts very well, so the following is a list of both the well known as well as the least known car insurance savings. If you don't get every credit possible, you are paying more than you should be.

  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
  • Multiple Vehicles - Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Discount for Good Grades - This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • Bundle and Save - If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Accident Free - Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think you could get a free car insurance policy, car insurance companies aren't that generous.

To choose companies who offer car insurance discounts in Kansas, follow this link.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers in Kansas can't ignore all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to say the same thing about savings after switching to them.

But how can every company claim to save you money?

Different companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured might be over the age of 40, has no driving citations, and drives newer vehicles. Any new insured who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will have to pay higher prices which usually ends up with the customer not buying. The ads state "customers that switch" not "everybody who quotes" save money. That's the way companies can truthfully claim big savings. Because of the profiling, you need to compare as many rates as you can. It's just too difficult to predict which car insurance company will give you the biggest savings.

Even more information can be read at the Kansas Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, read enforcement actions against agents and companies, and file complaints about a company.

Other informative sites include Auto Insurance 101 and this page where you can research Ellis insurance agents.

Best coverage at the best price

When trying to cut insurance costs, don't be tempted to reduce coverage to reduce premium. In many instances, someone sacrificed full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

Cheap car insurance can be bought both online and with local Ellis insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

We just covered a lot of information how to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as .