How to Know You’re Throwing Money Away for Car Insurance in Newton

Have you had enough of being strong-armed to insure your vehicles every month? You are in the same boat as many other drivers in Kansas.

Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates to find the best rates possible.

Don’t overlook these discounts

Auto insurance companies do not advertise every discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known ways to save on car insurance.

  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy online.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more than drivers with accidents.
  • Own a Home – Owning a home in Newton can save you money because maintaining a house shows financial diligence.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
  • No Accidents – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way.

For a list of providers who offer car insurance discounts in Newton, follow this link.

When should I use an insurance agent?

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • What are the financial responsibility laws in Kansas?
  • Is my cargo covered for damage or theft?
  • Is my teen driver covered when they drive my company car?
  • Is my babysitter covered when using my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Who is covered when they drive my vehicle?
  • What if I total my vehicle and owe more than it’s worth?
  • When should I not file a claim?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car Insurance through a local agent

Some consumers just want to buy from a local agent and that is just fine! One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent.Kansas car insurance prices

By using this form (opens in new window), your coverage information gets sent to companies in Newton who will battle to get your business. You won’t need to leave your computer as quotes are delivered directly to your email. How’s that for easy! Get lower rates AND an agent nearby.

Selecting an insurer requires more thought than just a low price. Here are some questions to ask:

  • If you are a high risk driver, do they have special markets for your coverage?
  • How often do they review policy coverages?
  • How are claims handled?
  • Does the agency provide any after hours assistance?
  • How long has their agency been in business in Newton?

Shown below are agents in Newton that may be willing to give rate quotes.

Hosford Agency Inc – 227 W Broadway St, Newton, KS 67114 – (316) 283-4241
Federated Insurance Co – 2701 N Anderson Rd, Newton, KS 67114 – (316) 283-5585
Miller Insurance – 715 N Main St, Newton, KS 67114 – (316) 283-7281
State Farm Insurance – 1025 N Main St, Newton, KS 67114 – (316) 283-6726
Farmers Insurance Group – 109 E 6th St, Newton, KS 67114 – (316) 283-7043

Once you have received reasonable responses for all questions you ask and an acceptable price quote, most likely you have located an insurer that is a good match to service your policy.

Don’t listen to company ads

Companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads make the same claim about savings if you change to them. How can each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of customer they prefer to insure. An example of a desirable insured could be between 25 and 40, has no driving citations, and has great credit. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who don’t measure up to these standards will have to pay higher premiums and ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently make those claims. Because of the profiling, it is so important to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will have the lowest rates.

compare rates in Newton

More tips and info about car insurance can be found at the Kansas Insurance Department website. Consumers can file complaints about a company, view agent and company licensing information, learn about insurance regulations, and discover disciplinary actions.

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Shop smart and save

When trying to cut insurance costs, never buy poor coverage just to save money. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price while still protecting your assets.

We just showed you many ways to compare car insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest premiums are with the smaller companies. They can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

Affordable car insurance can be purchased both online and also from your neighborhood Newton agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.