Prairie Village, KS Auto Insurance Savings the Companies Don’t Want You to Know About

Having to pay for overpriced auto insurance can dwindle your checking account, especially in this economy. Comparison shopping is a smart way to help make ends meet. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a company to find the absolute lowest cost out there.

You need to get comparison quotes at least once a year because insurance rates go up and down regularly. Even if you got the best deal six months ago there may be better deals available now. So block out anything you think you know about auto insurance because you’re going to get a crash course in how to use the internet to remove unneeded coverages and save money.

If you have a policy now or are shopping for new coverage, you will benefit by learning to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you in Prairie Village is quite easy. Kansas consumers only need to know how to shop their coverage around on the web.

Prairie Village Auto Insurance Prices Online

Comparing auto insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You could spend your day talking about coverages with local insurance agents in Prairie Village, or you could save time and use online quoting for quick rates.

Most of the larger companies participate in a marketplace where insurance shoppers submit one quote, and every company returns a rated price based on that information. This saves time by eliminating repetitive form submissions for every auto insurance company.

To find out how much you can save on auto insurance click here to start a free quote.

The one downside to doing it this way is you don’t know exactly the insurers to receive prices from. If you wish to select specific insurance companies to receive pricing from, we have a listing of auto insurance companies in Kansas. Click here for list of insurance companies in Kansas.

However you get your quotes, be sure to compare identical coverage information for each comparison quote. If you enter different deductibles it’s not possible to make an equal comparison in Prairie Village.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specifically requested before you get the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • No Claims – Drivers with accident-free driving histories pay less compared to accident-prone drivers.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Driver Safety – Completing a driver safety course can save you 5% or more if your company offers it.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get reduced rates.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% with a few auto insurance companies.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help reduce the cost of coverage.

Why you might pay higher rates in Prairie Village

It’s important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Do you have enough liability coverage? – Liability coverage will protect you in the event that a court rules you are at fault for damages from an accident. It will provide legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The deductibles are how much you are required to spend before a claim is paid by your company. The more money you have to pay, the lower your rates will be.
  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can get tricked into buying on your auto insurance policy. Things like roadside assistance, accidental death and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money remove them from your policy.

Don’t I need to talk to an agent?

Some consumers would rather talk to a local agent and there is nothing wrong with that. Good agents can point out coverage gaps and help you file claims. The best thing about price shopping on the web is that you can obtain the best rates and still choose a local agent. Buying from small agencies is important particularly in Prairie insurance image

Once you complete this short form, the quote information is transmitted to local insurance agents in Prairie Village who will compete for your business. There is no need to even leave your home since price quotes are sent to your email. How’s that for easy!

Captive or Independent: There is a difference

When researching an insurance agent, you must know there are a couple types of agencies from which to choose. Agencies in Prairie Village are categorized either captive or independent. While both can insure your vehicles, but it’s worth learning the difference between them because it can impact the type of agent you choose

Independent Agents

Independent insurance agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.

When shopping rates, it’s recommended you contact at a minimum one independent agency for the best price selection.

The following are Prairie Village independent agencies who may be able to give you pricing information.

Michele D Brogan Insurance Inc – 4200 Somerset Dr – Prairie Village, KS 66208 – (913) 383-9330
Mid America National Agency – 7501 Nall Ave # 2 – Prairie Village, KS 66208 – (913) 381-7305
Gerber Insurance Group – 5200 W 94th Ter # 110 – Prairie Village, KS 66207 – (913) 649-7800

Captive Insurance Agents

This type of agents can only write with one company like Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so always compare other rates. Captives are usually quite knowledgeable on the products they sell which can be an advantage.

Shown below is a list of captive agents in Prairie Village that can give you price quote information.

State Farm Insurance – 3810 W 75th St – Prairie Village, KS 66208 – (913) 648-6400
Allstate Insurance – 7830 State Line Rd # 210 – Prairie Village, KS 66208 – (913) 648-8913

To view a complete directory of Prairie Village captive agencies, please view this page.

Deciding on a car insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Do they assist clients in filing claims?
  • Do they review policy coverages at every renewal?
  • Can glass repairs be made at your home?
  • How long has their agency been in business in Prairie Village?
  • Will your rates increase after a single accident?
  • Who is covered by the car insurance policy?
  • Can they give you a list of client referrals?

Once you have received satisfactory answers to your questions and an affordable coverage quote, you may have just found a car insurance agent that will insure your vehicles.

Prairie Village KS insurance ad

Much more information about auto insurance in Kansas is available on the website for the Kansas Insurance Department through this link. Kansas drivers can file complaints about a company, report car insurance fraud, and file complaints about an insurance agent or broker.

Do auto insurance companies bend the truth?

Consumers constantly see and hear ads for the lowest price auto insurance by Allstate, GEICO and Progressive. They all say the same thing about savings if you change to their company.

But how can every company make the same claim?

All the different companies can use profiling for the right customer that earns them a profit. For example, a driver they prefer could be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A customer who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who fall outside the “perfect” profile must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently advertise the way they do.

This illustrates why you absolutely need to get as many comparisons as possible. You cannot predict which company will provide you with the cheapest rates.

Smart consumers save more

Cost effective auto insurance is definitely available from both online companies and with local Prairie Village insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, you should never skimp on coverage in order to save money. In too many instances, an insured cut full coverage only to find out that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.