8 Ways to Save on Car Insurance in Wamego Kansas

No one in their right mind cherishes buying car insurance, particularly when they are paying too much. There is such a variety of to buy insurance from, and even though it's nice to have multiple companies, so many choices can make it hard to compare rates.

Save big with these eight discounts

Companies that sell car insurance don't list every discount very clearly, so here is a list both the well known and also the lesser-known car insurance savings. If you're not getting every credit you qualify for, you are throwing money away.

  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Good Student - Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Distant Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Accident Forgiveness - Certain companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it just doesn't work that way.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation would benefit from an agent's advice.

  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Kansas?
  • Why does it cost so much to insure a teen driver in Wamego?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I still get insurance after a DUI?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Car insurance ads bend the truth

Consumers in Kansas get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all say the same thing that you can save after switching your policy.

How does each company claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that earns them a profit. An example of a driver they prefer might be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Drivers who fall outside these standards will be quoted higher premiums which usually ends up with the customer not buying. The ad wording is "customers who switch" not "people who quote" save that kind of money. That is how insurance companies can advertise the way they do. This emphasizes why drivers should get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional detailed information is available at the Kansas Insurance Department website. Visitors are able to download brochures, file complaints about a company, read enforcement actions against agents and companies, and get help finding coverage.

Kansas car insurance

Best coverage at the best price

We just covered a lot of information how to reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small mutual company. Regional companies can often insure niche markets at a lower cost than their larger competitors like .

When shopping online for car insurance, never skimp on coverage in order to save money. There are too many instances where someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.