Easy Tips to Spend Less on Lansing Car Insurance

Consumers not familiar with shopping for insurance online will find finding the lowest-priced Lansing car insurance quite difficult.

It's important to do rate comparisons occasionally because rates are constantly changing. Even if you think you had the best deal a couple years back you can probably find a better price now. Starting right now, forget anything you know (or think you know) about car insurance because you're going to learn the proper way to remove unneeded coverages and save money.

Why some people pay less for insurance in Lansing

Consumers need to have an understanding of some of the elements that play a part in calculating your car insurance rates. Knowing what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are some of the factors companies use to determine rates.

  • With age comes lower rates - Young drivers in Kansas have a tendency to be more careless behind the wheel so they pay higher car insurance rates. Adding a young driver to your policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • One company can mean more discounts - Some companies will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to comparison shop to make sure you are getting the best deal.
  • Policy add-ons can waste money - There are quite a few additional coverages that you can buy on your policy. Coverages for rental car reimbursement, towing coverage and motor club memberships are examples of these. These coverages may sound good at first, but if you don't need them eliminate them to save money.
  • How's your driving record? - Good drivers receive lower rates than their less careful counterparts. Just one speeding ticket can increase rates twenty percent or more. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.

Lansing car insurance comparison

These discounts can lower your rates

Car insurance companies don't list all their discounts very clearly, so here is a list some of the more common and the more hidden car insurance savings. If you're not getting every credit you qualify for, you are paying more than you should be.

  • College Student - Children who live away from home and don't have a car can be insured at a reduced rate.
  • Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safety Course Discount - Successfully completing a driver safety course can save you 5% or more if your company offers it.
  • New Car Discount - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Discount for Swiching Early - A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.

It's important to note that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck.

To choose companies with discount car insurance rates in Kansas, follow this link.

Are you falling for claims of savings?

Consumers can't ignore all the ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you can save if you change to them.

How does each company make the same claim?

Insurance companies have a certain "appetite" for the type of driver that makes them money. An example of a desirable insured could be over the age of 40, owns a home, and drives less than 10,000 miles a year. A customer who fits that profile is entitled to the best price and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher rates which usually ends up with business going elsewhere. The ads state "people who switch" not "everybody who quotes" save money. That is how insurance companies can advertise the way they do. Because of the profiling, you should compare as many rates as you can. Because you never know which company will provide you with the cheapest rates.

Different people need different coverages

When buying proper insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's needs are different.

For instance, these questions might point out whether you could use an agent's help.

  • What are Kansas no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the best liability limits?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

For more Kansas car insurance information

Additional detailed information is available at the Kansas Insurance Department website. Consumers can read enforcement actions against agents and companies, read consumer alerts, and discover disciplinary actions.

Lansing car insurance quote

And the best car insurance company is...

As you go through the steps to switch your coverage, it's very important that you do not buy poor coverage just to save money. There are many occasions where an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at an affordable rate.

Lower-priced car insurance is attainable from both online companies and with local Lansing insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

We just showed you many ways to save on car insurance. It's most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company.