Top 9 Ways to Get Lower Rates on Car Insurance in Topeka, KS

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are many Topeka consumers feeling the pinch from expensive car insurance. Having so many insurance companies to choose from, it can be impossible to find the lowest price provider.

How much can you save with these nine discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but some may not be applied and must be requested specifically prior to receiving the credit. If you don't get every credit possible, you are paying more than you should be.

  • Organization Discounts - Belonging to a professional or civic organization may earn a discount when buying car insurance.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.
  • Safety Course Discount - Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Discount for Swiching Early - A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • Driver's Ed - Cut your cost by having your teen driver enroll in driver's education if offered at their school.
  • Multiple Cars - Buying insurance for all your vehicles with the same company could earn a price break for each car.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.

It's important to note that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, you're out of luck. But any discount will help reduce the amount you have to pay.

To choose insurers with discount car insurance rates in Kansas, click here.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't ignore all the ads that promise big savings from companies such as Allstate, GEICO and Progressive. All the companies have a common claim that you can save if you change your policy.

But how can every company make the same claim?

Different companies are able to cherry pick for the right customer that makes them money. A good example of a profitable customer could be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile must pay higher prices and this can result in business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can state the savings.

This illustrates why you should get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

More information can be read on the website for the Kansas Insurance Department through this link. Consumers can find out which companies have the most complaints, find disaster information, discover disciplinary actions, and file complaints about a company.

Other informative sites include this link for Kansas car insurance quotes and this link which helps you find a Topeka agent.

car insurance in Topeka

Best coverage at the best price

Lower-priced car insurance is attainable from both online companies in addition to many Topeka insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

You just learned a lot of techniques to save on car insurance. It's most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from an unexpected company. Some small companies often have lower prices on specific markets compared to the large companies like .