Is Your Leawood Kansas Auto Insurance Too High? Save with These Tips

Are you overwhelmed by the dozens of auto insurance options in Leawood? You’re not the only one! Drivers have so many companies to choose from that it can be a ton of work to find the perfect company for you.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. This information will familiarize you with the best way to quote coverages and some money-saving tips. Nevertheless, Kansas car owners do need to understand the way insurance companies price online insurance and take advantage of how the system works.

How to Get Auto Insurance in Leawood, KS

All major auto insurance companies like State Farm, GEICO and Progressive provide coverage prices on the web. Obtaining pricing is fairly simple as you just type in your personal and coverage information into a form. Upon sending the form, the company’s rating system sends out for credit information and your driving record and returns a price quote.

Online quotes makes it a lot easier to compare rates but the process of having to visit multiple sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible in order to get the lowest price.

The easiest way to get multiple rate quotes uses one simple form that analyzes rates from multiple companies. This type of form saves time, requires much less work on your part, and makes comparison shopping much simpler. Immediately after you send the form, your coverage is rated and you are able to buy any one of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process can be completed in a matter of minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, click here and complete the simple form. If you currently have coverage, we recommend that you enter the limits and deductibles identical to your current policy. This guarantees you are getting an apples-to-apples comparison based on similar coverages.

Misconceptions in auto insurance advertisements

Companies like State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. All the ads make an identical promise that you’ll save big if you switch your coverage to them. How does each company say the same thing?

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a profitable customer might be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Drivers who don’t qualify for the requirements will be charged a higher premium and this can result in the customer not buying. The ads say “customers that switch” not “people who quote” save money. That’s the way insurance companies can state the savings. That is why drivers should get as many quotes as possible. It is impossible to predict which company will give you the biggest savings.

Get Cheaper Rates by Understanding Pricing

It’s important that you understand the factors that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get better auto insurance rates.

Listed below are a partial list of the pieces companies use to determine your money concept

  • Traffic citations inflate rates – Careful drivers get better rates than people who have multiple driving citations. Only having one moving violation can boost insurance rates twenty percent or more. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Rural vs Urban Areas – Choosing to live in less populated areas has it’s advantages when insuring your vehicles. Drivers who live in large cities have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Better credit means lower rates – Credit history is a big factor in determining what you pay for auto insurance. If your credit rating is not that good, you could save money insuring your by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
  • The type of vehicle makes a difference – The performance of the vehicle you are buying insurance for makes a big difference in how high your rates are. The lowest rates are generally reserved for lower performance four cylinder passenger vehicles, but other factors influence the final cost greatly.

Don’t pay full price with these discounts

Companies offering auto insurance don’t always list all their discounts very well, so here is a list both well-publicized and the harder-to-find auto insurance savings.

  • Low Mileage – Keeping the miles down could qualify for discounted rates on garaged vehicles.
  • Own a Home – Owning a house in Leawood may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • Save over 55 – Mature drivers may qualify for reduced rates.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than less cautious drivers.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

For a list of insurance companies who offer auto insurance discounts in Kansas, click this link.

Different people need different coverages

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Who is covered by my policy?
  • What companies insure drivers after a DUI or DWI?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage when using my vehicle for my home business?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Quote online but work with a neighborhood agent

Some people just want to talk to a local agent. One of the best bonuses of price shopping on the web is the fact that you can find the best rates and still choose a local agent.

Upon completion of this short form, your coverage information is immediately sent to local insurance agents in Leawood who will return price quotes for your insurance coverage. There is no reason to even leave your home due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.

Picking an insurer requires more thought than just a cheap price. Some important questions to ask are:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • How much will you save each year by using a higher deductible?
  • Is assistance available after office hours?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Who is covered by the car insurance policy?
  • How often do they review policy coverages?
  • Is their price quote a firm figure or are their hidden costs?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

The following are agents in Leawood that can give you rate quotes.

  • Farmers Insurance Group – 4707 College Blvd # 208, Leawood, KS 66211 – (913) 647-0090
  • American Family Insurance – 11201 Nall Ave # 140, Leawood, KS 66211 – (913) 451-1717
  • Dean Ordiway Agency Inc – 7007 College Blvd, Leawood, KS 66211 – (913) 663-2121
  • Disability Insurance Svc – 4707 College Blvd # 214, Leawood, KS 66211 – (913) 469-1182
  • State Farm Insurance – 12108 State Line Rd, Leawood, KS 66209 – (913) 339-6600

For a complete listing of auto insurance agents in Leawood, please view this page.

save money concept

Upon getting positive feedback to any questions you have and a good coverage price, you’ve probably found an insurance company that meets your needs to properly insure your vehicles.

And the best car insurance company is…

Throughout this article, we presented many tips how you can shop for auto insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.

Budget-conscious auto insurance can be purchased from both online companies as well as from independent agents in Leawood, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Consumers who switch companies do it for a variety of reasons including high prices, not issuing a premium refund, delays in paying claims and high rates after DUI convictions. Regardless of your reason, switching companies is not as difficult as it may seem.

For more Kansas car insurance information

More tips and info about auto insurance can be found at the Kansas Insurance Department website. Kansas drivers can download brochures, find out which companies have the most complaints, learn about insurance regulations, and read consumer alerts.

Other informative sites include Auto Insurance 101 and this link which helps you find a Leawood agent.