Compare Lawrence Auto Insurance Prices With These Techniques

Are you overwhelmed by the wide range of auto insurance companies in Lawrence? Lot's of other consumers are too. Drivers have so many choices that it can turn into a big hassle to locate the lowest price.

It's important to price shop coverage at least once a year because prices are constantly changing. Just because you had the best rates last year a different company probably has better rates today. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to find cheap auto insurance.

Choosing the best insurance company for you in Lawrence is not that difficult. Essentially every driver who carries auto insurance will most likely be able to reduce their rates. Although Kansas drivers do need to know the way insurance companies sell insurance online.

More discounts equal less premium

Companies that sell car insurance don't list all their discounts very well, so the following is a list of both well-publicized as well as the least known auto insurance savings.

Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy online.
Defensive Driver - Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
Early Signing - Some insurance companies reward drivers for switching policies prior to your current policy expiring. This can save 10% or more.
Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
Clubs and Organizations - Participating in a professional or civic organization could qualify you for a break on auto insurance.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
Save over 55 - If you qualify as a senior citizen, you may qualify for a discount up to 10%.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

Your spouse saves you money - Getting married can actually save you money when buying auto insurance. It usually means you are more responsible and it's proven that being married results in fewer claims.
Extra coverages can waste money - There are many extra coverages that you can buy on your auto insurance policy. Things like personal injury protection, towing coverage and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
What type of vehicle do you drive? - The performance level of the car you own makes a substantial difference in your rates. The lowest rates are generally reserved for low performance passenger vehicles, but there are many factors that impact the final cost.
Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one ticket may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
Don't skimp on liability - Liability insurance provides coverage if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
Save money with special equipment - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Are you male or female? - Statistics demonstrate women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men cause accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. They all seem to say the same thing about savings if you switch your policy. But how can every company make almost identical claims?

All companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could possibly be a mature driver, has no tickets, and drives newer vehicles. A customer getting a price quote who fits that profile receives the best rates and therefore will save a lot of money.

Potential insureds who do not match this ideal profile will have to pay more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully claim big savings. Because of the profiling, drivers should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Even more information can be read at the Kansas Insurance Department website. Kansas consumers can get help finding coverage, discover disciplinary actions, and learn about specific coverages.

Also read more on this page for Kansas auto insurance and see this list of insurance agents in Lawrence.

Do the work, save more money

The cheapest auto insurance is available online in addition to many Lawrence insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

You just read a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a small local company.

Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, high prices and even poor customer service. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.