Auto Insurance in Leavenworth Kansas – 6 Discounts You Might be Unaware of

Finding the cheapest Leavenworth auto insurance online can seem to be rather challenging for people who are new to price shopping online. With so many companies competing online, how can consumers possibly compare them all to find the best pricing?

Smart consumers take time to take a look at other company’s rates once or twice a year since insurance rates are rarely the same from one policy term to another. If you had the best rates six months ago you can probably find a better price now. You can find a lot of wrong information about auto insurance online, so we’re going to give you some guaranteed methods to find affordable auto insurance.

Finding the best rates in Leavenworth is not rocket science. Basically, every driver who has to buy auto insurance should be able to reduce their rates. Although Kansas consumers need to learn how companies determine prices.

How to Compare Leavenworth Auto Insurance Costs

The are a couple different ways to compare rate quotes and find the best price. By far the easiest way to compare insurance prices is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating separate forms for each company. Taking the time to complete one form compares rates from auto insurance companies with the best prices.It’s the quickest way to get rates.
  2. A harder way to analyze rates is spending the time to visit the website of each company and request a quote. For instance, we’ll pretend you want to compare Liberty Mutual, 21st Century and Allstate. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in Leavenworth, click here.

Whichever method you choose, make darn sure you compare identical quote information for every quote you compare. If you enter different liability limits you will not be able to determine the lowest rate in Leavenworth. Having just a slight variation in insurance coverages may cause a big price difference. And when price shopping your coverage, having more price comparisons will improve the odds of getting a lower rate.

Don’t overlook these six discounts

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so here is a list some of the best known as well as the least known ways to save on auto insurance.

  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • No Accidents – Drivers with accident-free driving histories pay much less compared to drivers who are more careless.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of companies with the best auto insurance discounts in Leavenworth, click here.

Even more information is available at the Kansas Insurance Department website. Kansas consumers can get help finding coverage, read state legal mandates and laws, and file complaints about an insurance agent or broker.

Other informative sites include this site for rates in Kansas and this link which helps you find a Leavenworth agent.

Learn about auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This coverage provides protection from damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like legal defense fees, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. Kansas state law requires minimum liability limits of 25,000/50,000/10,000 but it’s recommended drivers buy higher limits.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Because many people carry very low liability coverage limits (25/50/10 in Kansas), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for things like X-ray expenses, EMT expenses, surgery, nursing services and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

One last thing

Cheaper auto insurance can be purchased both online and also from your neighborhood Leavenworth agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits only to find out that they should have had better coverage. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, delays in responding to claim requests or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is less work than it seems.