Consumer Tested Strategies to Save on Fairway Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are lots of people in the same boat.

Multiple compete for your business, so it can be very hard to choose a and get the best coverage at the lowest price

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates in Fairway is easy if you know what you're doing. But Kansas drivers do need to know how companies price insurance differently and apply this information to your search.

Are you getting all your discounts?

Companies that sell car insurance don't list all available discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known auto insurance savings.

Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
Multiple Vehicles - Buying coverage for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Memberships - Participating in certain professional organizations could qualify you for a break when buying auto insurance.
No Claims - Drivers with accident-free driving histories can save substantially when compared with bad drivers.
Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
Homeowners Discount - Owning a home in Fairway may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
Student Driver Training - Have your child enroll in driver's education if it's offered in school.

Consumers should know that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

To see a list of insurers who offer auto insurance discounts in Fairway, follow this link.

How to Compare Auto Insurance Quotes in Fairway, Kansas

Most companies such as 21st Century, Allstate and State Farm give insurance quotes on the web. This process doesn't take much effort as you just enter the coverages you want as detailed in the form. Once you submit the form, the company's rating system will obtain credit information and your driving record and returns pricing information. Quoting online makes it a lot easier to compare rates but the time it takes to visit many different websites and complete many quote forms is not the best way to spend an afternoon. But it's very important to do this in order to get the best price on auto insurance.

The preferred way to lower your rates uses one form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes online shopping much more efficient. After sending your information, your coverage is rated and you can select any of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you complete the form with the limits and deductibles identical to your current policy. This makes sure you will be getting a fair comparison based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in big savings.

The following are a few of the "ingredients" that factor into premiums.

Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you.
Do you know your deductibles? - Your deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and burglary. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
Pleasure use saves money - Driving more miles in a year the more you'll pay to insure your vehicle. The majority of insurers apply a rate based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
Liability coverage is peace of mind - Liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Do you have a high stress job? - Did you know that where you work can have an impact on rates? Occupations such as lawyers, architects and accountants are shown to have higher rates than average because of stressful work requirements and lots of time spent at work. On the flip side, occupations such as actors, athletes and performers pay the least.
Your spouse saves you money - Having a spouse can get you a discount when buying auto insurance. Having a spouse usually means you are more mature than a single person and it's proven that being married results in fewer claims.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies say the same thing that you'll save big after switching your policy. How do they all make almost identical claims?

All the different companies are able to cherry pick for the right customer that is profitable for them. For example, a profitable customer could possibly be between 25 and 40, has no driving citations, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That's the way companies can advertise the savings. This illustrates why drivers must get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Affordable insurance is out there

Discount auto insurance can be purchased online in addition to many Fairway insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Learn more about Kansas auto insurance

More detailed Kansas auto insurance information can be found at the Kansas Insurance Department website. Kansas consumers can find disaster information, report car insurance fraud, file complaints about an insurance agent or broker, and find out which companies have the most complaints.