Consumer Tested Strategies to Save on Ellsworth Auto Insurance

No one in their right mind likes paying for auto insurance, particularly when the cost is too high.

Multiple compete for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate

Don't pay full price with these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but some may not be applied and must be asked about prior to getting the savings.

  • Defensive Driver - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Homeowners Savings - Owning a home in Ellsworth may trigger a auto insurance policy discount because owning a home demonstrates responsibility.

Keep in mind that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, it just doesn't work that way. But any discount will cut your premiums.

To see a list of insurers offering auto insurance discounts in Ellsworth, follow this link.

auto insurance in Ellsworth

Vehicle Insurance Comparison

Comparing auto insurance rates can take hours if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with local insurance agents in Ellsworth, or you could save time and use online quotes to get pricing more quickly.

Many insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each company provides a quote based on that data. This eliminates the need for quote requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is that consumers can't choose which carriers to get pricing from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of auto insurance companies in Kansas. Click here for list of insurance companies in Kansas.

It doesn't matter which method you choose, just be sure to compare the exact same coverages and limits on every quote you get. If you have different deductibles it's impossible to determine which rate is truly the best in Ellsworth. Just a small difference in limits may result in large price differences. Keep in mind that comparing more company's prices will increase your chances of finding a lower rate.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that could result in better auto insurance rates.

  • Policy add-ons can waste money - There are many additional coverages that you can get tricked into buying when buying auto insurance. Coverages like personal injury protection, accidental death and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Type of vehicle determines base rates - The type of car you are insuring makes a huge difference in your rates. Lower performance four cylinder passenger cars usually have the lowest rates, but the final cost of insurance is determined by many other factors.
  • Cautious drivers pay less - Drivers with clean records have lower premiums than bad drivers. Just one speeding ticket may increase your cost twenty percent or more. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Your spouse saves you money - Getting married can actually save you money when buying auto insurance. Having a spouse usually means you are more mature and it's proven that married couples file fewer claims.

Your personal situation dictates your coverage

When choosing coverage for your vehicles, there is no perfect coverage plan. Everyone's situation is a little different and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my cargo covered for damage or theft?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

The auto insurance bait and switch

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies say the same thing that you can save if you switch your policy. How do they all claim to save you money?

Different companies have a certain "appetite" for the right customer that is profitable for them. A good example of a profitable customer might be between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get very good rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay a higher premium which usually ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can advertise the way they do.

This illustrates why drivers must get quotes from several different companies. It's impossible to know which company will provide you with the cheapest rates.

Affordable insurance is out there

Affordable auto insurance is available both online in addition to many Ellsworth insurance agents, so compare prices from both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered a lot of tips how to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as .

Kansas auto insurance

More information can be read on the website for the Kansas Insurance Department located here. Visitors are able to discover disciplinary actions, learn about specific coverages, file complaints about a company, and get help finding coverage.