Discover the Secrets to Saving Money on Shawnee Kansas Car Insurance

Having to pay for overpriced car insurance can overdraw your checking account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Many car insurance companies compete for your business, and because of this it can be hard to compare car insurance companies and get the best coverage at the cheapest price

It’s important to compare prices quite often because insurance rates fluctuate regularly. Despite the fact that you may have had the best rates a few years ago there may be better deals available now. So just block out anything you think you know about car insurance because it’s time to teach you the tricks you need to know to remove unneeded coverages and save money.

Take discounts and save

Companies that sell car insurance don’t list all available discounts very well, so we took the time to find some of the more common and also the lesser-known car insurance savings. If you don’t get every credit available, you are throwing money away.

  • E-sign – A handful of insurance companies may give you up to $50 just for signing your application on their website.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% depending on your company.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.

Drivers should understand that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

To choose insurers who offer car insurance discounts in Kansas, follow this link.

Different people need different coverages

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions might point out whether or not you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Am I covered when pulling a rental trailer?
  • What is high-risk coverage and where do I buy it?
  • Do I need motorclub coverage?
  • What discounts do I qualify for?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Quote online but work with a neighborhood agent

Some consumers just want to buy from a local agent and there is nothing wrong with that. Insurance agents can help determine the best coverages and help submit paperwork. One of the great benefits of getting online price quotes is that you can obtain better rates but also keep your business local.

After filling out this form (opens in new window), your insurance data is transmitted to participating agents in Shawnee who will give you bids for your coverage. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. How cool is that?!

Selecting an insurer requires more thought than just a low price. Ask your prospective agent these questions:

  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they make recommendations based only on price?
  • What insurance companies do they work with?
  • Are they properly licensed to sell insurance in Kansas?
  • Do they regularly work with personal auto policies?
  • How long has their agency been in business in Shawnee?
  • How much will you save each year by using a higher deductible?

Choose an insurance agent wisely

When researching a local agent, you need to know there are two types of agencies that you can select. Agents can either be captive or independent (non-captive). Either one can write coverage properly, but it’s good to learn the differences because it can impact the selection process.

Captive Insurance Agents

Captive agents are contracted to one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to shop your coverage around so they have no alternatives for high prices. These agents receive extensive training in insurance sales which helps them compete with independent agents.

Shown below is a short list of captive insurance agencies in Shawnee who may provide you with price quotes.

Farmers Insurance Group – 12510 W 62nd Ter # 106 – Shawnee, KS 66216 – (913) 248-1767
Allstate Insurance – 10964 W 74th Ter – Shawnee, KS 66203 – (913) 962-4600
State Farm Insurance – 6339 Long St # A – Shawnee, KS 66216 – (913) 631-9007

Independent Insurance Agents

These agents are not employed by any specific company but rather can write business with lots of companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s a good idea to get quotes from at least one independent agent to ensure the widest selection of prices.

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

Blaylock Insurance – 12510 W 62nd Ter – Shawnee, KS 66216 – (913) 248-8290
American National Insurance Co – 10940 W 74th Ter – Shawnee, KS 66203 – (913) 631-9188

To view a complete directory of licensed insurance agents in Shawnee, please click here.

Once you have received reasonable responses for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agency that can provide car insurance coverage.

The fine print in car insurance ads

Kansas consumers constantly see and hear ads that promise big savings from the likes of State Farm, GEICO and Progressive. All the companies have a common claim that you’ll save big if you move your coverage to them.

How can each company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a profitable customer could be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don’t meet the “perfect” profile must pay a higher premium which leads to business not being written. Company advertisements say “people who switch” not “people who quote” save that much money. That’s why insurance companies can confidently claim big savings. This illustrates why you should compare many company’s rates. It is impossible to predict which car insurance company will fit your personal profile best.

Additional consumer information websites

Even more information is available at the Kansas Insurance Department website. Visitors are able to read state legal mandates and laws, file complaints about a company, get help finding coverage, and read industry bulletins.

A little work can save a LOT of money

We just showed you some good ideas how to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at the best price while still protecting your assets.