Free Guide to Saving Money on Russell Auto Insurance Online

Overpriced auto insurance can overdraw your bank account, especially in this economy. Shopping your coverage around is a great way to make sure you're not throwing money away. Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with ad campaigns and it can be hard to sift through the bull and take the time to shop coverage around.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that could result in big savings.

Don't get talked into coverage you don't need - There are many add-on coverages that you can get tricked into buying on your auto insurance policy. Insurance for roadside assistance, accidental death and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so eliminate the coverages to reduce your premium.
Where you live - Residing in less populated areas is a positive aspect when insuring your vehicles. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have more traffic problems and longer commutes to work. Higher commute times means more change of being in an accident.
Better credit scores mean better rates - A driver's credit score is a large factor in determining what you pay for auto insurance. So if your credit history is lower than you'd like, you could save money insuring your by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.
Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
Do you have enough liability coverage? - Liability insurance is the protection if a court rules you are at fault for damages caused by your negligence. It will provide legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.

Compare Auto Insurance Today

Reducing your insurance rates can be surprisingly simple. You just have to take the time to get quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

The fastest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions to each individual auto insurance company. A single, simple form will return quotes from multiple companies.
A more difficult way to get quotes online is to take the time to go to the website for every company you want to comare to complete their respective quote request forms. For examples sake, let's say you want comparison quotes from , and . To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method. To view a list of companies in Russell, click here.
The most time-consuming way to compare rates is to drive around to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional advice only provided by licensed agents. It is possible to find lower rates online and still use a local agent. We'll cover that shortly.

Whichever method you choose, make sure you use exactly the same coverages and limits on every quote you get. If you use different deductibles it will be impossible to determine which rate is truly the best in Russell.

Save big with these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you quote, but some must be specifically requested before you get the savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

Defensive Driver - Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
Auto/Home Discount - If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
Air Bag Discount - Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
Payment Discounts - By paying your policy upfront instead of making monthly payments you could save 5% or more.
Organization Discounts - Participating in a civic or occupational organization may earn a discount when buying auto insurance.

Keep in mind that some credits don't apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, it just doesn't work that way. But any discount will reduce your overall premium however.

To choose insurers offering auto insurance discounts in Russell, click here.

Auto insurance ads bend the truth

Kansas consumers can't ignore all the ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you switch your policy.

How can each company make almost identical claims?

All the different companies have a preferred profile for the right customer that makes them money. An example of a profitable customer could possibly be over the age of 50, has no prior claims, and has excellent credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Drivers who fall outside the requirements must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state "people who switch" not "people who quote" save that kind of money. This is how insurance companies can make those claims.

This illustrates why you need to compare as many rates as you can. It's impossible to know which insurance companies will have the lowest rates.

But I don't know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's needs are different and your policy should reflect that. These are some specific questions can help discover if your situation may require specific advice.

Should I rate my vehicle as pleasure use or commute?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Do I have any recourse if my insurance company denies a claim?
Am I getting all the discounts available?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

More information is available on the website for the Kansas Insurance Department through this link. Kansas consumers can discover disciplinary actions, view agent and company licensing information, find out industry alerts, and view a list of available companies.

Best coverage at the best price

Affordable auto insurance is available online in addition to many Russell insurance agents, and you should be comparing both to have the best selection. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

You just read a lot of ways to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from an unexpected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like .