Easy Ways to Pay Less on Hoxie Car Insurance

Consumers who are new to the process of shopping for insurance online will discover buying cheap Hoxie car insurance nearly impossible.

It's important to compare prices periodically because rates are constantly changing. If you had the best price two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you're about to learn the fastest and easiest way to properly buy coverages while reducing your premium.

Save big with these discounts

Auto insurance companies don't list all their discounts very well, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If you don't get every credit you qualify for, you're paying more than you need to.

Bundle and Save - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
Passive Restraints - Factory air bags or motorized seat belts can receive discounts of 20% or more.
Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like you can get free auto insurance, you won't be that lucky.

To see a list of companies with the best car insurance discounts in Kansas, click here.

Hoxie Car Insurance Comparisons

Finding cheaper car insurance prices doesn't have to be difficult. You just have to spend a little time getting comparison quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for multiple quote forms for every car insurance company. Just one form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.
Another way to get quotes online consists of going to the website for each individual company and fill out their own quote form. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Hoxie, click here.
The most time-consuming method of comparing rate quotes is to spend your day driving to different Hoxie agent offices. Buying insurance online has reduced the need for local agents unless you want the trained guidance of a local Hoxie agent. It is possible to obtain prices from the web and still use a local agent and we'll talk about that later.

However you get your quotes, be sure to compare apples-to-apples coverages for every quote you compare. If you are comparing different limits and deductibles on each one you can't possibly determine the best price in Hoxie.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with lower car insurance prices.

Where you live can impact rates - Living in a rural area can be a good thing when it comes to car insurance. Urban drivers have much more traffic and longer commute times. Fewer people translates into fewer accidents.
Poor credit can mean higher rates - Credit rating is a big factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit rating can use some improvement, you could pay less to insure your by improving your rating.
Too many car insurance claims drive up costs - If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies in Kansas generally give discounts to insureds who are claim-free. Auto insurance is meant to be used in the event of larger claims.
How's your driving record? - Careful drivers get better rates than people who have multiple driving citations. Even a single moving violation can boost insurance rates twenty percent or more. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.

But I don't know anything about car insurance

When choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else's.

These are some specific questions may help highlight if your situation will benefit from professional help.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Kansas?
Does my policy cover me when driving someone else's vehicle?

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance ads bend the truth

Consumers can't get away from ads for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to have a common claim about savings if you move to their company.

But how can every company make the same claim? It's all in the numbers.

All companies have a certain "appetite" for the driver that is profitable for them. For example, a desirable insured could be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A customer that hits that "sweet spot" gets the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will have to pay higher prices and this can result in business going elsewhere. Company advertisements say "customers who switch" not "people who quote" save that much. That is how companies can truthfully state the savings. Because of the profiling, drivers must quote coverage with many companies. Because you never know which company will give you the biggest savings.

In the end, you save

When buying insurance coverage, do not reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the best price.

We just showed you a lot of techniques to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from a small mutual company.

Drivers who switch companies do it for a variety of reasons including policy non-renewal, poor customer service, extreme rates for teen drivers or policy cancellation. Whatever your reason, finding a new car insurance company is actually quite simple.

Even more information can be found at the Kansas Insurance Department website. Consumers can view agent and company licensing information, find out industry alerts, and download brochures.

Additional helpful sites include Wikipedia and this Hoxie agent directory.