Moundridge Auto Insurance For Less Than You're Paying Now

Comparing Moundridge auto insurance rates online can seem complicated if you have never used online price comparisons. But relax because using the internet to shop for auto insurance is actually quite easy.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. The purpose of this post is to familiarize you with the most effective way to quote insurance. Kansas consumers only need to know the proper way to compare company rates over the internet.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine auto insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to big savings.

The following are some of the items auto insurance companies consider when setting prices.

  • Safer cars cost less to insure - Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you.
  • Traffic citations inflate rates - Even one ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Pleasure use saves money - Driving more miles each year the higher your rate. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
  • Car features impact rates - Owning a car with an alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.

compare Moundridge auto insurance rates

Auto Insurance Comparison Rates in Moundridge, KS

There are several ways to shop for auto insurance, but one way is more efficient than others. You can spend your afternoon talking about coverages with insurance companies in Moundridge, or you could save time and use online quotes to get pricing more quickly.

Most of the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company provides a quote for coverage. This prevents consumers from doing quote requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of system is you cannot specify which providers to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of auto insurance companies in Kansas. Click to view list.

Whichever method you choose, be sure to compare the exact same information on every quote. If you use higher or lower deductibles it will be impossible to make a fair comparison in Moundridge.

Be sure to get all your discounts

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known discounts you could be receiving. If they aren't giving you every credit you qualify for, you are paying more than you should be.

  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Low Mileage Discounts - Fewer annual miles could qualify for a substantially lower rate.
  • Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Paperwork-free - A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To choose insurance companies who offer auto insurance discounts in Moundridge, click here.

Is there truth in advertising?

Kansas drivers can't ignore all the ads for cheaper car insurance by State Farm, Allstate and GEICO. They all have a common claim about savings after switching to their company.

How do they all say the same thing?

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a driver they prefer might be profiled as between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher rates and this can result in business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the way they do. This emphasizes why you need to get as many quotes as possible. It's not possible to predict which company will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different.

For example, these questions may help highlight whether or not you would benefit from an agent's advice.

  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required Kansas minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • Does medical payments coverage apply to all occupants?

If you can't answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Even more information can be read at the Kansas Insurance Department website. Kansas drivers can find disaster information, file complaints about a company, and file complaints about an insurance agent or broker.

Kansas auto insurance

A tidy conclusion

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, high prices, delays in paying claims or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is easier than you think.

In this article, we covered a lot of ways to compare auto insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small local company.

When shopping online for auto insurance, you should never reduce coverage to reduce premium. There have been many situations where someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.