Cheapest Car Insurance Exclusively for Garden City Kansas Residents

Overpriced car insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is a smart way to cut your insurance bill.

You have so many insurance companies to pick from, and though it is a good thing to be able to choose, lots of choices makes it harder to adequately compare rates.

Consumers should take time to shop coverage around at least once a year due to the fact that insurance rates trend upward over time. Just because you found the lowest rates six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

Finding affordable coverage in Garden City is easy if you know what you’re doing. Just about anyone who carries car insurance should be able to find better rates. But Kansas vehicle owners must know the way companies determine prices and use this information to your advantage.

How much can you save with discounts?

Car insurance companies don’t always publicize every available discount very clearly, so we took the time to find some of the best known as well as the least known discounts you could be receiving.

  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Defensive Driver – Completing a course in driver safety could save 5% or more depending on where you live.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
  • Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when shopping for car insurance.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Senior Discount – Older drivers may be able to get a small decrease in premiums.
  • Homeowners Discount – Owning a house in Garden City can help you save on car insurance because owning a home is proof that your finances are in order.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurance companies who offer car insurance discounts in Kansas, click here.

Why some people pay less for insurance in Garden City

It’s important that you understand the rating factors that go into determining the price you pay for car insurance. Understanding what impacts premium levels enables informed choices that could result in better car insurance rates.price insurance in Garden City Kansas

  • Do you work long hours in a high stress job? – Jobs such as judges, executives and accountants tend to pay higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, occupations like farmers, athletes and the unemployed have the lowest average rates.
  • Don’t sacrifice liability coverage – Liability insurance provides coverage if ever you are found liable for personal injury or accident damage. Liability provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • You might want pay the small claims yourself – Insurance companies in Kansas award cheaper rates to insureds who file claims infrequently. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • How your age affects price – Older drivers are more responsible, file fewer claims and receive fewer citations. Young drivers tend to get distracted easily behind the wheel therefore car insurance rates are much higher.
  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Tickets mean higher rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one citation may increase your cost by twenty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Pay less after the wedding – Getting married actually saves money on your car insurance policy. Having a significant other usually means you are more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Where you live is a factor – Residing in a small town has it’s advantages when insuring your vehicles. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. City drivers regularly have congested traffic and a longer drive to work. Higher commute times means higher likelihood of an accident.

When might I need the advice of an agent?

When choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Do I benefit by insuring my home with the same company?
  • Do I have coverage when making deliveries for my home business?
  • Do no-fault laws apply in Kansas?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are the best liability limits?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when driving a rental car?
  • What happens if I owe more than my vehicle is worth?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Neighborhood insurance agents

Certain consumers would rather buy from a local agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you may find the best rates and still choose a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is submitted to companies in Garden City who will give you bids for your insurance coverage. There is no reason to leave your computer due to the fact that quote results will go to your email. How cool is that?! You can find the lowest rates AND a local agent.

Picking an insurer should depend on more than just the premium amount. These questions are important to ask:

  • Is the agent and/or agency licensed to do business in Kansas?
  • Who are their largest clients?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Does the agency have a good rating with the Better Business Bureau?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Is assistance available after office hours?
  • Can they provide you with a list of referrals?

If you prefer to select a specific agent in Garden City, visit this site.

Upon receiving answers to your satisfaction to your questions and an affordable coverage quote, chances are good that you have found an provider that meets your needs to provide car insurance coverage.

Do you really save 40% when you switch?

Car insurance providers like Allstate, GEICO and Progressive regularly use ads in print and on television. They all make the same claim that you can save if you move to them. How can each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer could be a mature driver, is a homeowner, and has a high credit rating. A propective insured who matches those parameters gets the lowest rates and most likely will save when switching.

price insurance in Garden City Kansas

Potential insureds who are not a match for the “perfect” profile must pay higher rates which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully advertise the way they do. This illustrates why drivers must get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest rates.

For more Kansas car insurance information

Additional detailed information is available at the Kansas Insurance Department website. Consumers can read industry bulletins, read state legal mandates and laws, and view agent and company licensing information.

Final thoughts

Discount car insurance is possible both online as well as from independent agents in Garden City, and you need to price shop both to have the best selection. A few companies don’t offer online quoting and these regional insurance providers work with independent agents.

We just covered many tips how you can get a better price on car insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the best prices are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.