Car Insurance in Jewell Kansas - 5 Tricks to Save Money

Beginners to buying insurance online might discover buying affordable Jewell car insurance to be a formidable task.

compare Jewell car insurance rates

Be sure to get all your discounts

Insuring your fleet can be pricey, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be asked about before they will apply.

  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Multiple Policy Discount - When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them before your current policy expires. It's a savings of about 10%.
  • No Claims - Good drivers with no accidents can save substantially when compared to frequent claim filers.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of insurance companies who offer car insurance discounts in Kansas, click here to view.

Car Insurance Comparison Rates in Jewell, KS

Effectively comparing car insurance prices can be a daunting task if you don't know the fastest way to get free quotes. You can waste hours talking to local insurance agents in Jewell, or you could save time and use online quotes for quick rates.

Most car insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company provides a quote. This saves time by eliminating form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is that consumers can't choose the companies to get quotes from. So if you prefer to choose specific insurance companies to request quotes from, we put together a list of car insurance companies in Kansas. Click to view list.

It's your choice how you get your quotes, but be sure to compare apples-to-apples information on every quote. If you are comparing higher or lower deductibles it will be impossible to make a fair comparison in Jewell. Quoting even small variations in coverages could mean much higher rates. Keep in mind that having more price comparisons gives you a better chance of getting the best price.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different.

For example, these questions may help highlight whether or not you might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required Kansas minimum liability coverage?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Final considerations

People change insurance companies for a number of reasons such as unfair underwriting practices, high prices, policy non-renewal and high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is not as hard as you think.

You just learned many tips how you can get a better price on car insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the best prices are with a small local company.

As you go through the steps to switch your coverage, don't be tempted to sacrifice coverage to reduce premiums. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.