Car Insurance in Olathe – 5 Ways to Lower Rates

Confused by the dozens of car insurance company choices in Olathe? You have a lot of company. You have so many options that it can quickly become a big hassle to find the perfect company for you.

Don’t miss out on these 5 money-saving discounts

Companies don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Claim Free – Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates.
  • Drive Less and Save – Fewer annual miles could qualify for lower rates on the low mileage vehicles.

It’s important to understand that most discount credits are not given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of providers offering car insurance discounts in Kansas, click this link.

Comprehensive Olathe Car Insurance Comparison

Lowering your car insurance rates is not a difficult process. The only thing you need to do is invest a few minutes to get quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating repetitive form submissions for each company you want a rate for. One form submission will get you price quotes from multiple companies. It’s the fastest way to compare.

A slightly less efficient method to find lower rates is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll pretend you want to compare USAA, 21st Century and American Family. To find out each rate you need to go to every website and enter your information, which is why the first method is more popular.

To view a list of companies in Olathe, click here.

Whichever method you choose, compare identical coverages and limits for each comparison quote. If you are comparing different limits and deductibles on each one it’s not possible to make a fair comparison in Olathe.

Educate yourself about car insurance coverages

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage 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 limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.


Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like funeral expenses, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible. Kansas requires minimum liability limits of 25,000/50,000/10,000 but you should consider buying higher limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, theft, a broken windshield, damage from a tornado or hurricane and vandalism. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like nursing services, doctor visits and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision coverage covers damage to your vehicle resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

compare rates in Olathe

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

One last thing

You just learned many ideas to get a better price on car insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a company that doesn’t do a lot of advertising.

The cheapest car insurance is available from both online companies and also from your neighborhood Olathe agents, so compare prices from both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, not issuing a premium refund and even policy non-renewal. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.