5 Money Saving Ideas Proven to Save Money on Auto Insurance Costs in Dodge City

Purchasing cheap Dodge City auto insurance on the internet can seem to be challenging for consumers new to buying insurance on the web. With so many choices of choices, how can consumers effectively compare every company to locate the best available rates?

Consumers need to compare prices occasionally since insurance rates are rarely the same from one policy term to another. Just because you found the lowest price a couple years back the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance online but with this article, you’re going to get some proven techniques to find affordable auto insurance.

How to Compare Dodge City Auto Insurance Costs

Effectively comparing auto insurance prices can be a daunting task if you don’t understand the most efficient way to do it. You can spend countless hours talking to insurance agencies in Dodge City, or you could use the internet to get pricing more quickly.

Many popular insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company then returns a price quote based on that data. This eliminates the need for quotation requests for every auto insurance company.

To find out what other companies charge click to open in new window.

The single downside to comparing rates this way is that you can’t choose the companies you want to price. So if you prefer to choose individual companies for rate comparison, we have assembled a list of auto insurance companies in Kansas. Click to view list.

Whichever way you use, double check that you are using apples-to-apples coverage limits for each price quote. If you have mixed coverages you can’t possibly determine the best price in Dodge City. Having just a slight variation in limits can result in a big premium difference. And when comparing auto insurance rates, know that getting more free quotes will enable you to find a better price.

Save big with these 5 discounts

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Some trigger automatically when you complete an application, but some may not be applied and must be requested specifically prior to getting the savings.

  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Paperless Signup – Certain companies give back up to $50 just for signing your application on their website.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

To choose companies with the best auto insurance discounts in Kansas, click here to view.

Auto insurance coverage options

Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision protectionauto insurance image

This covers damage to your vehicle resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like nursing services, hospital visits, funeral costs and prosthetic devices. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.

Due to the fact that many Kansas drivers only carry the minimum required liability limits (Kansas limits are 25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for liability

This coverage protects you from damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, structural damage, medical services and court costs. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Kansas state minimum liability requirements are 25,000/50,000/10,000 but drivers should carry more liability than the minimum.

Comprehensive coverages

Car insurance in Dodge City

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a broken windshield, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Quote more, save more

Cost effective auto insurance is definitely available on the web and also from your neighborhood Dodge City agents, and you should be comparing both to get a complete price analysis. A few companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Throughout this article, we presented a lot of tips how to lower your auto insurance rates. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from an unexpected company.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Additional auto insurance information can be read on the Kansas Insurance Department website through this link. Kansas drivers can read industry bulletins, view a list of available companies, and find a variety of consumer forms.