Getting the Cheapest Holton Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you.

Big companies like GEICO and Progressive constantly bombard you with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates at least once a year because rates are constantly changing. If you had the lowest price on your last policy you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to find out one of the easiest ways to lower your rates without sacrificing coverage.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. Finding affordable coverage in Holton is not that difficult. Although Kansas car owners do need to know the way companies determine prices because it can help you find the best coverage.

How much can you save with discounts?

Companies don't always advertise all their discounts in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using.

  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Drive Less and Save - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • College Student - Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Sign Online - Certain companies will give a small break for buying your policy digitally online.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

Holton car insurance comparison

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

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move to their company. How can each company make the same claim?

All companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured could be between the ages of 30 and 50, has no tickets, and has great credit. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will have to pay more money and ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which car insurance company will fit your personal profile best.

Find out more about car insurance

Even more information is located at the Kansas Insurance Department website. Consumers can learn about insurance regulations, find disaster information, download brochures, and file complaints about a company.

car insurance in Holton

Final considerations

When you buy insurance online, it's a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford.

The cheapest car insurance is possible from both online companies and also from your neighborhood Holton agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.