Learn How to Pay Less for Emporia, KS Auto Insurance

Are you sick and tired of not being able to afford to insure your vehicles every month? You are in the same boat as the majority of other car owners in Kansas. Companies like GEICO, 21st Century and Progressive constantly bombard you with TV and radio ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

Consumers should take time to take a look at other company’s rates every six months since rates change frequently. Just because you had the best rates two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so we’re going to give you a lot of great tips on how to find cheap auto insurance.

How to Buy Emporia Auto Insurance Online

All the larger auto insurance companies such as State Farm and Allstate quote prices online. Getting online quotes is fairly simple as you just enter the coverage amounts you desire as detailed in the form. Upon sending the form, their rating system requests your driving and credit reports and provides a quote. Online quotes makes comparing rates easy, but the time it takes to visit many different websites and complete many quote forms can be a bit repetitive. But it is imperative to do this if you want to find the lowest price.

An easier way to compare auto insurance pricing makes use of a single form that obtains quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more efficient. After sending the form, it gets priced and you can choose any one of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To save time and compare pricing, click here to open in new window and complete the simple form. To compare your current rates, we recommend you complete the form with the coverage information exactly as shown on your declarations page. Doing this guarantees you will receive rate quotes based on similar coverages.

These discounts can slash auto insurance rates

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but some may not be applied and must be asked for before being credited. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Seat Belts Save – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% depending on your company.

Consumers should know that most credits do not apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will cut your premiums.save money image

For a list of providers with discount auto insurance rates in Emporia, click here.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that will entitle you to lower auto insurance prices.

The list below includes some of the factors auto insurance companies consider when setting prices.

  • Rural vs Urban Areas – Residing in a small town can be a good thing when buying auto insurance. Urban drivers regularly have much more traffic and longer commute times. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • Do you need the policy add-ons? – There are quite a few add-on coverages that you can get tricked into buying on your policy. Insurance for rental car reimbursement, accidental death and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Mature drivers pay less – More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teen drivers tend to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Do you qualify for a multi-policy discount? – Some insurers will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money. Drivers may still find better rates by buying auto insurance from a different company.
  • Do you have a high stress job? – Did you know your job can affect your rates? Occupations like judges, business owners and dentists tend to have the highest average rates in part from job stress and lots of time spent at work. Other professions such as actors, historians and performers receive lower rates.
  • Do you know you’re credit rating? – A driver’s credit rating is a huge factor in determining what you pay for auto insurance. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit rating can use some improvement, you could be paying less to insure your by improving your credit score.
  • Allowing your policy to lapse raises rates – Letting your insurance expire will be a quick way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance might get you a license revocation or jail time.

Much more information about auto insurance in Kansas is located on the website for the Kansas Insurance Department located here. Consumers can discover disciplinary actions, learn about insurance regulations, and find a variety of consumer forms.

Other useful links include these car insurance answers and this page where you can research Emporia insurance agents.

Save $487 a year. For real?

Kansas drivers can’t get away from ads for cheaper car insurance from companies such as State Farm and Allstate. All the ads make an identical promise of big savings if you switch your policy.

How does each company say the same thing?

All companies have a certain “appetite” for the type of driver that makes them money. For instance, a desirable insured could possibly be between 30 and 50, is a homeowner, and has a short commute. A customer that hits that “sweet spot” is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Emporia KS insurance quotes

Potential customers who do not match these standards will be quoted higher prices which usually ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much. This is how insurance companies can confidently advertise the way they do.

This emphasizes why you absolutely need to get quotes from several different companies. It’s impossible to know which insurance companies will have the lowest rates.

Final thoughts

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Low-cost auto insurance is attainable on the web as well as from independent agents in Emporia, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.