8 Guaranteed Ways to Slash Car Insurance Costs in Riley

Overpriced car insurance can dwindle your bank account and put the squeeze on your family's finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Drivers have so many to pick from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates.

compare Riley car insurance rates

How to Lower Your Car Insurance Cost in Riley, Kansas

Most companies like State Farm, Allstate and GEICO allow you to get price estimates on the web. Getting quotes is quite simple as you simply type in the coverages you want into the quote form. When the form is submitted, the system will obtain information on your driving record and credit history and generates pricing information. This streamlines rate comparisons, but the time it takes to visit many different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

A quicker way to find lower prices is to use a quote form that gets prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes online quotes much more enjoyable and efficient. After sending your information, it is rated with multiple companies and you can pick any one of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and input your coverage information. If you have your current policy handy, we recommend you copy as shown on your current policy. This ensures you will have rate quotes for similar insurance coverage.

More discounts equal less premium

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked for before you will receive the discount.

  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Paperwork-free - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Multiple Cars - Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
  • Safety Course Discount - Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Own a Home - Simply owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Air Bag Discount - Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
  • Seat Belts Save - Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down your premiums.

To see a list of insurance companies with discount car insurance rates in Kansas, click here to view.

For more Kansas car insurance information

More information can be read on the website for the Kansas Insurance Department through this link. Visitors are able to view a list of available companies, get help finding coverage, report car insurance fraud, and view agent and company licensing information.

Additional helpful sites include this site for car insurance rates in Kansas and this list of insurance agents in Riley, KS.