Car Insurance in Walnut, KS - 5 Tricks to Save Money

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies competing for business in Walnut.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. This article will introduce you to how to effectively get price quotes. Nevertheless, Kansas consumers do need to know the way companies price insurance differently and apply this information to your search.

Automobile Insurance Quotes in Walnut, KS

All major car insurance companies quote pricing online. Getting quotes is pretty easy as you simply type in your coverage preferences into the quote form. After the form is submitted, the system will obtain your driving and credit reports and generates a price based on these and other factors.

Online quotes makes comparing rates easy, but the time required to go to different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you are searching for a lower rate.

The preferred way to get multiple rate quotes is to use a quote form to obtain quotes from several different companies. It's a real time-saver, eliminates repetitive work, and makes quoting online much simpler. As soon as you send your information, it is quoted and you can select your choice of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

To find out how much you're overpaying now, click here and submit the form. If you currently have coverage, we recommend you input coverages and limits exactly as they are listed on your policy. This makes sure you will receive an apples-to-apples comparison for the exact same coverage.

More discounts equal less premium

Companies don't always advertise every discount in a way that's easy to find, so we took the time to find both the well known as well as the least known car insurance savings.

  • Federal Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Multiple Policy Discount - If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.

It's important to understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, it doesn't quite work that way.

To choose insurance companies who offer car insurance discounts in Walnut, follow this link.

Switch companies and save? Really?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all say the same thing of big savings after switching to them. How can each company claim to save you money?

All companies have a certain "appetite" for the type of driver that makes them money. For example, a driver they prefer might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any new insured who fits that profile receives the best rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be quoted a more expensive rate which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save money. That is how insurance companies can confidently advertise the way they do. This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

It's not one size fits all

When buying the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different.

Here are some questions about coverages that might point out if you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

More tips and info about car insurance can be found at the Kansas Insurance Department website. Visitors are able to download brochures, find out industry alerts, and file complaints about an insurance agent or broker.

Walnut car insurance quote

The best insurance company isn't always the cheapest

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, delays in paying claims or even high rates after DUI convictions. It doesn't matter why you want to switch choosing a new insurance company is easier than you think.

When shopping online for car insurance, it's a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Low-cost car insurance can be purchased both online and with local Walnut insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.