Tightwads Guide to Saving on Haysville Auto Insurance

Expensive auto insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill. Because you have many auto insurance companies to choose from, it is very difficult to find the cheapest company.

It's important to shop coverage around quite often since insurance rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

Tips to Get Lower Haysville Rates

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The following are a partial list of the pieces used by your company to calculate rates.

Pay less if you're married - Having a wife or husband can get you a discount on your policy. It translates into being more responsible and statistics show married drivers get in fewer accidents.
Teen drivers pay high rates - Teenage drivers in Kansas are known to be more careless when driving so auto insurance rates are higher. If you've ever had to add a teen driver onto a policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Consolidate policies to earn discounts - Many insurers will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to comparison shop to verify if the discount is saving money.
Little extras can really add up - There are a ton of add-on coverages that you can buy if you aren't careful. Things like vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment initially, but now you might not need them so remove them from your policy.
Please use or commuting - Driving more miles in a year's time the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.

Free Haysville Auto Insurance Quotes

There are several ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with agents in Haysville, or you could use online quotes to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company then gives them pricing. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The single downside to doing it this way is you can't choose which providers you want pricing from. So if you want to choose specific providers for rate comparison, we put together a list of companies who write auto insurance in Kansas. Click to view list.

It's up to you which method you use, but make darn sure you compare apples-to-apples coverage information for each price quote. If you are comparing unequal deductibles or liability limits you can't possibly truly determine the lowest rate in Haysville.

Be sure to get all your discounts

Auto insurance companies don't always advertise all their discounts very well, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you don't get every credit you deserve, you are paying more than you should be.

Sign Online - Certain companies give back up to $50 for buying your policy online.
College Student - Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Driver Safety - Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
Drive Less and Save - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, auto insurance companies aren't that generous.

To choose companies who offer auto insurance discounts in Kansas, click here to view.

Is there truth in advertising?

Kansas drivers can't ignore all the ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to make an identical promise about savings after switching your coverage to them.

But how can every company say the same thing? It's all in the numbers.

All companies have a preferred profile for the type of customer that makes them money. For instance, a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay higher premiums and ends up with business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, you need to quote coverage with many companies. It's not possible to predict which insurance companies will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that For example, these questions may help you determine whether or not you might need an agent's assistance.

Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Haysville?
What are Kansas no-fault laws?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is rental equipment covered for theft or damage?
Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?
Is my nanny covered when driving my vehicle?

If you're not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Even more information is located at the Kansas Insurance Department website. Kansas drivers can get help finding coverage, read enforcement actions against agents and companies, read consumer alerts, and discover disciplinary actions.

Other informative sites include this site for Kansas auto insurance information and see this list of insurance agents in Haysville.

And the best car insurance company is...

Cheap auto insurance can be bought on the web as well as from independent agents in Haysville, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

When shopping online for auto insurance, do not reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best price.