Best Way to Find Cheap Galva Auto Insurance

Finding lower rates for Galva auto insurance is challenging for consumers not familiar with shopping for insurance online. You have so many options that it can turn into more work than you anticipated to find the best price in Galva.

Choosing the best insurance company for you in Galva is easy if you know what you're doing. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. But Kansas vehicle owners do need to know how companies market on the web.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that come into play when calculating auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

The list below includes some of the items used by your company to calculate prices.

More claims means more premium - Companies in Kansas award lower rates to people who do not file claims often. If you frequently file small claims, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Where do you drive? - The more you drive every year the higher your rate. Almost all companies price each vehicle's coverage based on how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy shows the correct driver usage.
Liability coverage is peace of mind - The liability section of your policy will protect you when a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
Men fork out a little more - The statistics show that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. They both cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
Consolidate policies to earn discounts - The majority of insurers provide better rates to people who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
Do you need the policy add-ons? - There are a lot of extra bells and whistles that can waste your money if you aren't careful. Coverages for personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.
Do you know you're credit rating? - Having a bad credit rating is a big factor in your rate calculation. People with high credit ratings tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit can use some improvement, you could save money insuring your by spending a little time repairing your credit.

Don't pay full price with these discounts

Companies that sell car insurance don't list every discount very clearly, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using.

Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
More Vehicles More Savings - Having multiple cars or trucks with the same company can get a discount on all vehicles.
One Accident Forgiven - Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Defensive Driving Course - Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.
Passive Restraints - Cars that have air bags may earn rate discounts of more than 20%.
Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurance companies with the best auto insurance discounts in Kansas, click here to view.

The auto insurance bait and switch

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads in print and on television. They all make an identical promise that you'll save big if you move your coverage to them. How does each company say the same thing? It's all in the numbers.

All the different companies can use profiling for the type of customer that makes them money. A good example of a driver they prefer might be profiled as between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who don't measure up to these standards will be quoted higher rates and ends up with business not being written. The ads state "customers who switch" not "everyone that quotes" save that much money. That's why companies can advertise the way they do. This emphasizes why you should get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

More Kansas auto insurance information

More detailed Kansas auto insurance information can be read at the Kansas Insurance Department website. Kansas drivers can download brochures, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Other informative sites include this site for auto insurance rates in Kansas and this list of insurance agents in Galva, KS.

Final considerations

People who switch companies do it for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent or even policy non-renewal. Regardless of your reason, finding a new auto insurance company is easier than you think.

When shopping online for auto insurance, make sure you don't buy poor coverage just to save money. There have been many situations where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Discount auto insurance is definitely available on the web as well as from independent agents in Galva, so you should compare both to get a complete price analysis. Some auto insurance companies don't offer online price quotes and these small insurance companies work with independent agents.