Shop For Overland Park Car Insurance Cheaper With These Tricks

Overpriced car insurance can dwindle your bank account, especially in this economy. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

Because there are so many insurance providers from which to choose, it’s nearly impossible to locate the most affordable car insurance company.

Car Insurance Prices in Overland Park

There are multiple methods to compare car insurance prices but one way is less labor-intensive and much quicker. You could spend your day talking to agents in Overland Park, or you can utilize online quoting for quick rates.

Most major companies participate in an industry program where prospective buyers enter their policy data once, and every company then returns a price quote determined by their information. This prevents consumers from doing form submissions for each company.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly the companies to get pricing from. So if you want to choose individual companies to compare, we have assembled a list of car insurance companies in Kansas. View list of Kansas insurance companies.Kansas insurance comparisons

It’s up to you which method you use, but be sure to compare identical coverage limits for each price quote. If you enter different deductibles it will be impossible to determine the lowest rate in Overland Park. Slightly different limits can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies helps locate a lower rate.

Why your price might be higher

Smart consumers have a good feel for the factors that help determine the rates you pay for car insurance. Knowing what influences your rates enables informed choices that will entitle you to lower car insurance prices.

The following are a few of the “ingredients” car insurance companies consider when setting prices.

  • Drive less and save money – Driving more miles every year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Cars used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your car insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • How credit affects car insurance rates – Your credit rating is a important factor in your rate calculation. People with high credit scores tend to be more responsible than drivers who have lower credit scores. If your credit score can use some improvement, you could be paying less to insure your by improving your rating.
  • Performance makes a difference – The performance of the car you own makes a huge difference in your rates. Economy passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
  • Pay less after the wedding – Getting married can get you a discount when buying car insurance. Having a spouse usually means you are more mature and statistics show drivers who are married are more cautious.

Don’t miss these discounts

Companies don’t always list all available discounts very clearly, so we break down some of the best known and also the lesser-known car insurance savings.

  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less than less cautious drivers.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Memberships – Being a member of certain professional organizations may earn a discount when buying car insurance.
  • Save with a New Car – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only cut specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, companies don’t profit that way.

Kansas insurance comparisons

Online plus local equals savings

Cost effective car insurance can be bought online and also from your neighborhood Overland Park agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

More information about car insurance

Additional detailed information can be read at the Kansas Insurance Department website. Kansas drivers can find out industry alerts, file complaints about a company, and learn about specific coverages.