Lowest Car Insurance Exclusively for Ottawa Kansas Residents

Expensive car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is a smart way to help make ends meet. Drivers have so many insurers to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to adequately compare rates.

You should take the time to do rate comparisons yearly because rates are adjusted regularly by insurance companies. Even if you got the best rates two years ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about car insurance because we’re going to show you the things you must know in order to find better rates and still maintain coverage.

Buying cheaper car insurance coverage in Ottawa can be fairly easy. If you have a policy now or need new coverage, you can use these tips to find the best rates and possibly find even better coverage. Kansas consumers just need to know the proper way to get comparison rates over the internet.

How to Buy Ottawa Car Insurance Online

Getting better car insurance pricing can be relatively painless. Just spend a few minutes on the computer to compare quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing boring form submissions for each company. A single, simple form gets rate comparisons direct from many companies.
  2. A less efficient way to obtain and compare quotes online requires a trip to the website for each individual company and fill out their own quote form. For instance, let’s assume you want comparison quotes from Nationwide, State Farm and Farmers. You would have to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in Ottawa, click here.
  3. The least efficient way of comparing rate quotes to different agent offices. The internet makes this process obsolete unless you require the personal advice only provided by licensed agents. You can, however, price shop your coverage online but buy from a local insurance agent and we’ll touch on that later.

Whichever method you choose, ensure you’re using exactly the same quote information for every quote you compare. If the quotes have different values for each quote it will be very difficult to determine which rate is truly the best in Ottawa.

What happened to insurance agents?

Certain consumers would prefer to buy from a local agent and that is a personal choice. Insurance agents can answer important questions and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find better rates and still have an agent to talk to. And supporting local businesses is especially important in Ottawa.Ottawa Kansas insurance comparisons

For easy comparison, once you complete this short form, your coverage information is sent to local insurance agents who will battle to get your business. There is no reason to drive around because quoted prices will be sent immediately to your email address. It doesn’t get any easier!

Choose the right insurance agency

When searching for a local agent, you must know there are a couple types of insurance agents to choose from. Insurance agencies in Ottawa are categorized either independent or captive. Both write coverage properly, but it’s worth mentioning how they differ since it may influence buying decisions.

Independent Agents (or Brokers)

These agents do not work for one specific company so they can insure your vehicles amongst many companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include several independent insurance agents to have the most options to choose from.

Below are independent agents in Ottawa willing to provide price quotes.

Bolz Insurance Inc – 1610 S Main St – Ottawa, KS 66067 – (785) 242-1907
Osladil Insurance Svc – 411 S Main St – Ottawa, KS 66067 – (785) 242-6955

Captive Insurance Agents

These agents can only write with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are well schooled on the products they sell which helps them sell insurance even at higher premiums.

The following is a short list of captive agencies in Ottawa willing to provide price quote information.

Kansas insurance prices

State Farm Insurance – 1224 E Logan St – Ottawa, KS 66067 – (785) 242-9435
American Family Insurance – 1408 S Main St – Ottawa, KS 66067 – (785) 242-5008
Farm Bureau Financial Svc – 2232 S King St – Ottawa, KS 66067 – (785) 242-1466
Farmers Insurance Group – 401 S Main St – Ottawa, KS 66067 – (785) 242-1904
Allstate Insurance – 109 E 5th St – Ottawa, KS 66067 – (785) 242-4128

To view a complete directory of captive agents in Ottawa, view this link.

Selecting an insurance agent needs to be determined by more than just the premium amount. These questions are important to ask:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are they able to influence company decisions when a claim is filed?
  • If you have an accident, will your rates go up?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they carry Errors and Omissions coverage?

Once you have received answers to your satisfaction to any questions you have in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that meets your needs to service your policy.

Additional car insurance information is located on the website for the Kansas Insurance Department found here. Kansas drivers can read enforcement actions against agents and companies, get help finding coverage, learn about specific coverages, and read industry bulletins.