Arkansas City Auto Insurance For Less Than You’re Paying Now

Confused by the wide range of auto insurance options in Arkansas City? You’re not alone. There are so many companies to choose from that it can easily become a real hassle to find the perfect company for you.

Take discounts and save

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known auto insurance savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • No Charge for an Accident – Certain companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Memberships – Participating in certain professional organizations could trigger savings on auto insurance.
  • Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Student in College – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurers with the best auto insurance discounts in Arkansas City, click here to view.

Are insurance agents obsolete?

Certain consumers just want to buy from a licensed agent and that is OK! Insurance agents can answer important questions and give you someone to call. The best thing about comparing insurance prices online is you may find lower rates but still work with a licensed agent.

By using this quick form, your information is sent to companies in Arkansas City who will give you bids for your business. You won’t need to leave your house as quotes are delivered straight to your inbox. How’s that for easy!

Choosing an provider needs to be determined by more than just the price. Ask your prospective agent these questions:

  • Do they regularly work with personal auto policies?
  • Are they full-time agents?
  • Who is covered by the car insurance policy?
  • Do they review policy coverages at every renewal?
  • How are they compensated?

Different types of Arkansas City car insurance agents

When finding a good insurance agency, you must know there are a couple different agency structures to choose from. Agencies in Arkansas City are either captive or independent. Either one can properly insure your vehicles, but it’s worth mentioning how they differ since it may influence the type of agent you chooseprice insurance in Arkansas City KS

Captive Insurance Agents

This type of agents write business for a single company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have to upsell other benefits. These agents are trained well on the products they sell and that can be a competitive advantage. Consumers often buy insurance from these agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

The following is a list of captive agencies in Arkansas City willing to provide price quote information.

  • Farmers Insurance Group – 111 N Summit St – Arkansas City, KS 67005 – (620) 442-0426
  • State Farm Insurance – 200 N Summit St – Arkansas City, KS 67005 – (620) 442-3290
  • American Family Insurance – 112 S Summit St – Arkansas City, KS 67005 – (620) 442-2020
  • Farm Bureau Insurance – 526 N Summit St – Arkansas City, KS 67005 – (620) 442-8255
  • Shelter Insurance – 2522 N Summit St – Arkansas City, KS 67005 – (620) 442-1190
Independent Agencies or Brokers

These agents are not employed by any specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When comparing rates, it’s recommended you get quotes from at a minimum one independent agency to have the most options to choose from. They often place coverage with smaller regional carriers who may have lower rates.

Below is a short list of independent agencies in Arkansas City who can help you get rate quotes.

  • Samford-Stover Agency – 525 N Summit St – Arkansas City, KS 67005 – (620) 442-3000
  • United Agency Inc – 726 N Summit St – Arkansas City, KS 67005 – (620) 442-0400
  • Mc Gee Insurance Svc – 110 W 5th Ave – Arkansas City, KS 67005 – (620) 442-6121
  • Farm Bureau Insurance – 401 N Summit St # B – Arkansas City, KS 67005 – (620) 442-9122
  • Munson-Austin Agency – 1500 N Summit St – Arkansas City, KS 67005 – (620) 442-7800

To view a full list of auto insurance agents in Arkansas City, go to this page.

Upon receiving reasonable responses to these questions and a low price estimate, you may have just found an auto insurance agent that will insure your vehicles.

For more reading

More detailed Kansas auto insurance information is available at the Kansas Insurance Department website. Visitors are able to view agent and company licensing information, view a list of available companies, find a variety of consumer forms, and find disaster information.

Other informative sites include and this page on

Final considerations

We’ve covered many ideas to compare auto insurance prices online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from a lesser-known regional company.

People switch companies for many reasons like poor customer service, extreme rates for teen drivers, denial of a claim and even delays in paying claims. It doesn’t matter what your reason, finding a new company is less work than it seems.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped physical damage coverage and found out when filing a claim that it was a big error on their part. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.