Comparing Low-Cost Wa Keeney Auto Insurance

Tired of being strong-armed each month for car insurance? You're in the same situation as many other drivers in Kansas.

Because you have many insurance companies to choose from, it's difficult to find the most affordable provider.

It's important to compare rates once or twice a year because insurance rates are constantly changing. Even if you got the best deal six months ago you can probably find a better price now. So forget all the misinformation about auto insurance because you're about to learn the only way to properly buy coverages and cut your premium.

Finding affordable coverage in Wa Keeney is easy if you know what you're doing. In a nutshell, every vehicle owner who is required by state law to have auto insurance will be able to reduce their rates. But Kansas drivers do need to know the way insurance companies price insurance differently and take advantage of how the system works.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Do men or women drive better? - The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
Optional equipment can affect rates - Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Your location is important - Being located in small towns and rural areas can be a good thing when insuring your vehicles. City drivers regularly have much more traffic and longer commute times. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
Do you qualify for a multi-policy discount? - Many companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal. You may still find better rates by buying insurance from more than one company.
Extra coverages can waste money - There are a ton of extra bells and whistles that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and term life insurance are examples of these. They may seem like a good idea at first, but if they're wasting money remove them from your policy.
More miles equals more premium - Driving more miles every year the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
Your spouse saves you money - Being married can get you a discount when buying auto insurance. It means you're more mature than a single person and it's statistically proven that drivers who are married are more cautious.

How much can you save with discounts?

Car insurance companies don't always advertise all their discounts very well, so here is a list both well-publicized and the more hidden auto insurance savings.

Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.
Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
Bundle and Save - If you insure your home and vehicles with one company you will save at least 10% off all policies.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Driver Safety - Successfully completing a course in driver safety could save 5% or more if your company offers it.
Discount for Life Insurance - Select insurance companies reward you with a break if you buy life insurance.
Sign Online - A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
Organization Discounts - Participating in a professional or civic organization could qualify you for a break on auto insurance.
Drive Less and Save - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

To choose companies who offer auto insurance discounts in Kansas, follow this link.

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

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to say the same thing that you'll save big after switching to their company. But how can every company make almost identical claims?

Insurance companies can use profiling for the driver that makes them money. An example of a desirable insured could possibly be a mature driver, has no tickets, and has a high credit rating. A driver who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "people who switch" but not "drivers who get quotes" save that much. That's why companies can state the savings. Because of the profiling, you should compare as many rates as you can. It is impossible to predict the company that will have the lowest rates.

More Kansas auto insurance information

More detailed Kansas auto insurance information is available at the Kansas Insurance Department website. Kansas consumers can learn about insurance regulations, view a list of available companies, view agent and company licensing information, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Wa Keeney.

Final considerations

As you restructure your insurance plan, do not buy poor coverage just to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate.

Discount auto insurance can be purchased online and also from your neighborhood Wa Keeney agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.