How to Get Low-Cost Harper Car Insurance

If shopping for car insurance online is new to you, you may be confused by the hoards of car insurance companies offering coverage in Harper.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

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

Lower deductibles cost more - Your deductibles represent how much money you are required to spend in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the lower your rates will be.
Multi-policy discounts can save money - Many companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible.
Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
Optional equipment can affect rates - Owning a car with an alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.

How much can you save with discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Some trigger automatically when you purchase, but a few need to be specially asked for before being credited. If you don't get every credit you qualify for, you are paying more than you should be.

Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Accident Forgiveness - Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Senior Citizens - If you're over the age of 55, you may be able to get a discount up to 10%.
Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

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

Save 15 percent in 15 minutes? Is it for real?

Consumers in Kansas can't ignore all the ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the companies say the same thing about savings after switching your policy.

But how can every company claim to save you money?

Insurance companies have a certain "appetite" for the right customer that makes them money. For example, a profitable customer might be between 25 and 40, owns a home, and chooses high deductibles. Any driver who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile must pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully state the savings.

This illustrates why you should get quotes from several different companies. You cannot predict which company will give you the biggest savings.

How much car insurance do I need?

When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's situation is a little different.

For example, these questions might point out if your insurance needs would benefit from an agent's advice.

Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Do I need PIP (personal injury protection) coverage in Kansas?
Should I buy additional glass protection?
What can I do if my company won't pay a claim?
What are Kansas no-fault laws?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

For more Kansas car insurance information

Additional information can be found on the Kansas Insurance Department website located here. Visitors are able to report car insurance fraud, read consumer alerts, and learn about insurance regulations.

Other informative sites include this page for Kansas car insurance and this page for help finding agents in Harper, KS.

A tidy conclusion

Cheap car insurance can be sourced both online in addition to many Harper insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, do not buy poor coverage just to save money. In too many instances, an insured cut physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Consumers change insurance companies for a number of reasons such as lack of trust in their agent, policy cancellation, denial of a claim or even unfair underwriting practices. It doesn't matter what your reason, choosing a new insurance company is easier than you think.