Finding Cheap Wright Auto Insurance

Nobody looks forward to buying auto insurance, in particular when they are paying too much.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates periodically because prices are constantly changing. Even if you got the best rates on your last policy there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

The purpose of this post is to familiarize you with the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But Kansas drivers do need to know the methods companies use to price online insurance.

Wright Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with big savings.

Listed below are some of the items auto insurance companies consider when setting rates.

Battle of the sexes - Statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both have accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high auto insurance rates.
Careful drivers pay lower rates - Just one ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates than bad drivers. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
More than one policy can earn a discount - Most companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to ensure the best deal.
Teen drivers pay high rates - Teen drivers in Kansas are statistically proven to be more careless behind the wheel so they pay higher auto insurance rates. Having to add a teenage driver to your auto insurance policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and are safer drivers.

Wright Auto Insurance Comparisons

There are several ways to shop for auto insurance, but some are easier and takes less work. You can spend your afternoon talking about coverages with agents in Wright, or you could use online quoting to quickly compare rates.

Most of the larger companies enroll in a system that allows shoppers to submit their information once, and each company then gives them pricing for coverage. This eliminates the need for quote requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

The one disadvantage to pricing coverage this way is that you can't choose which providers you want pricing from. So if you prefer to choose specific insurance companies for rate comparison, we have a page of companies who write auto insurance in Kansas. Click here for list of insurance companies in Kansas.

Which method you use is up to you, but be sure to compare identical coverage limits and deductibles with every price quote. If you use different liability limits then you won't be able to find the best deal in Wright. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps locate the best rates.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but you can get discounts that many people don't even know exist. Most are applied at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.

Accident Forgiveness - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Early Signing - Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
Multi-car Discount - Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
Organization Discounts - Participating in a qualifying organization could qualify you for a break on auto insurance.
Homeowners Savings - Owning a house in Wright may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
Federal Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Drivers Education - Cut your cost by having your teen driver complete a driver education course in school.

Drivers should understand that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

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

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

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to say the same thing that you'll save big if you switch to their company. How does each company make almost identical claims? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a desirable insured could possibly be over the age of 40, a clean driving record, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state "customers who switch" but not "drivers who get quotes" save that much. That is how companies can advertise the savings.

Because of the profiling, you need to compare as many rates as you can. It's impossible to know which company will fit your personal profile best.

How much car insurance do I need?

When buying coverage for your vehicles, there isn't really a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. For example, these questions may help highlight if your insurance needs could use an agent's help.

Does my policy cover me when driving someone else's vehicle?
Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Kansas?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
Are rental cars covered under my policy?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Much more information about auto insurance in Kansas can be read on the website for the Kansas Insurance Department found here. Kansas consumers can learn about insurance regulations, file complaints about a company, read consumer alerts, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Budget-conscious auto insurance can be found online and also from your neighborhood Wright agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

You just read a lot of information how to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. In many cases, someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best price.