Top 10 Ways to Save on Car Insurance in Latham, KS

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other Kansas consumers.

Numerous battle to insure your vehicles, so it's not easy to compare every to get the lowest price

It's important to shop coverage around once or twice a year since rates are constantly changing. Even if you think you had the best rates on your last policy a different company probably has better rates today. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to find cheap car insurance.

More discounts equal less premium

Companies offering auto insurance don't always list all their discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known ways to save on car insurance.

  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Drive Less and Save - Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Multiple Cars - Having all your vehicles on one policy can get a discount on all vehicles.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Clubs and Organizations - Belonging to certain professional organizations could trigger savings on car insurance.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Homeowners Pay Less - Owning a house in Latham may earn you a small savings because maintaining a house demonstrates responsibility.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous.

Kansas car insurance quotes

Switch companies and save? Really?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make the same claim about savings if you change your coverage to them. How do they all make the same claim? It's all in the numbers.

All companies can use profiling for the type of customer that earns them a profit. A good example of a desirable insured could be over the age of 40, has no tickets, and has great credit. Any new insured who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will have to pay a higher premium which leads to business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the savings. Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict the company that will fit your personal profile best.

More Kansas car insurance information

Even more information can be read at the Kansas Insurance Department website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, find disaster information, and report car insurance fraud.

compare Latham car insurance rates

The best insurance company isn't always the cheapest

When you buy insurance online, never skimp on coverage in order to save money. In many instances, an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the best price.

Cheap car insurance is attainable from both online companies as well as from independent agents in Latham, and you need to comparison shop both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.