Car Insurance in St John, KS - 7 Tips to Save Money

Tired of trying to scrape together enough money each month for car insurance? You are no different than most other car owners in Kansas.

Lots of contend for your insurance dollar, so it's not easy to compare every and uncover the absolute lowest rate

If you have car insurance now, you stand a good chance to be able to save some money using these methods. Buying car insurance in St John is easy if you know what you're doing. But Kansas car owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Take advantage of discounts

Companies don't always advertise all available discounts in an easy-to-find place, so here is a list some of the more common as well as the least known car insurance savings.

  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Payment Method - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Driver Safety - Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • 55 and Retired - Mature drivers may be able to get better car insurance rates.
  • No Accidents - Claim-free drivers can earn big discounts when compared with bad drivers.

Drivers should understand that most credits do not apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

To see a list of insurers who offer car insurance discounts in St John, follow this link.

car insurance in St John

Compare the Market for Car Insurance in St John

There are several ways to compare rate quotes and find the best price. The best method to find the lowest rates is simply to get online rate quotes. This can be done using a couple different methods.

  • The best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions for every car insurance company. Taking the time to complete one form gets rate comparisons from all major companies.
  • A different way to compare rate quotes is spending the time to visit the website for every company you want to comare and request a quote. For example, we'll assume you want rates from , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in St John, click here.
  • The least efficient way to get comparison rates is driving to different St John agent offices. Buying insurance online has reduced the need for local agents unless you require the personal advice of a local St John agent. You can, however, obtain prices from the web and still use a local agent and we'll cover that in a bit.

Which method you use is up to you, but double check that you are using the exact same information with every price quote. If you compare higher or lower deductibles it will be impossible to find the best deal in St John. Just a small difference in insurance coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes will increase your chances of finding the best price.

Are car insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing that you'll save big after switching to their company. How do they all make the same claim?

All companies can use profiling for the driver that is profitable for them. An example of a profitable customer could be a mature driver, has no tickets, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile must pay a more expensive rate which usually ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That's why companies can state the savings. This illustrates why drivers must compare many company's rates. It's just too difficult to predict the company that will have the lowest rates.

Shop smart and save

Budget-conscious car insurance can be purchased from both online companies and also from your neighborhood St John agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

compare St John car insurance rates

More detailed Kansas car insurance information is available at the Kansas Insurance Department website. Consumers can find disaster information, view a list of available companies, file complaints about an insurance agent or broker, and discover disciplinary actions.