Free Guide to Paying Less for Sterling Auto Insurance Online

Sick and tired of scraping the payment together each month for car insurance? You're in the same situation as most other car owners in Kansas. Because you have many auto insurance companies to choose from, it's nearly impossible to locate the best insurance company.

Finding affordable coverage in Sterling is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Kansas drivers only need an understanding of the proper way to compare company rates online.

Be sure to get all your discounts

Companies don't always advertise all available discounts very well, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you don't get every credit available, you are throwing money away.

  • Clubs and Organizations - Participating in a professional or civic organization could qualify you for a break when buying auto insurance.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% depending on your company.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Passive Restraint Discount - Vehicles equipped with air bags can receive discounts of up to 25% or more.
  • Defensive Driver - Completing a course in driver safety could save 5% or more if you qualify.
  • Student in College - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Auto/Home Discount - If you have multiple policies with one company you will save up to 20% off your total premium.
  • No Accidents - Claim-free drivers can save substantially when compared with drivers who are more careless.

Consumers should know that most credits do not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

Is there truth in advertising?

Kansas consumers get pounded daily by advertisements for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you switch to their company.

But how can every company make almost identical claims?

All companies can use profiling for the driver that earns them a profit. For example, a profitable customer could possibly be between 25 and 40, is a homeowner, and has great credit. A driver who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently advertise the savings. This illustrates why you should get a wide range of price quotes. It is impossible to predict the company that will give you the biggest savings.

Learn more today

More tips and info about auto insurance can be found at the Kansas Insurance Department website. Kansas consumers can find out which companies have the most complaints, download brochures, find out industry alerts, and file complaints about a company.

Also read more on this link for Kansas auto insurance quotes and this link which helps you find a Sterling agent.

Best coverage at the best price

Cost effective auto insurance can be found online and also from your neighborhood Sterling agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.