Tricks for Paying Less for Winfield Kansas Auto Insurance Rates

Paying for high-priced auto insurance can dwindle your bank account and put a big crunch on your finances. Shopping your coverage around is a great way to help make ends meet.

Because there are so many auto insurance companies to choose from, it can be hard to choose the lowest price provider.

It’s important to get comparison quotes before your policy renews because insurance rates change quite often. Just because you had the lowest price a few years ago you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because I’m going to teach you how to use online quotes to reduce your cost while increasing coverage.

Compare the Market for Auto Insurance in Winfield

Performing a rate comparison is a ton of work if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking to insurance companies in Winfield, or you can stay home and use the web to achieve your goal.

All the larger companies belong to an insurance system that allows shoppers to submit their information once, and each participating company returns a competitive quote based on that information. This prevents consumers from doing quotation requests for each company.

To find out how much you can save on auto insurance click to open in new window.

The single downside to using this type of system is that consumers can’t choose which companies to get pricing from. If you wish to select specific insurance companies for rate comparison, we have a page of companies who write auto insurance in Kansas. Click to view list.

It’s up to you which method you use, but make absolute certain that you use exactly the same quote information for every quote you compare. If your comparisons have different liability limits it will be impossible to find the best deal in Winfield. Just a small difference in limits can make a big difference in price. And when comparison shopping, getting more free quotes helps locate lower pricing.

Misconceptions in auto insurance advertisements

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all seem to say the same thing of big savings if you change to their company. How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the right customer that earns them a profit. For example, a desirable insured could possibly be over the age of 40, insures multiple vehicles, and has excellent credit. A customer who fits that profile will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who are not a match for this ideal profile must pay a more expensive rate which usually ends up with business not being written. The ads say “customers that switch” not “everybody who quotes” save that much. This is how insurance companies can state the savings.

This illustrates why it is so important to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings.

Make smart decisions and save

It’s important that you understand some of the elements that go into determining auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in lower auto insurance prices.

• Safer cars are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
• Do you need those extra coverages? – There are a lot of extra bells and whistles that can waste your money when buying auto insurance. Coverages for vanishing deductibles, accident forgiveness and membership fees are examples of these. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
• Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
• Discounts for married couples – Getting married actually saves money on your policy. Marriage translates into being more mature and statistics show drivers who are married are more cautious.
• Better credit scores mean better rates – Your credit score is a huge factor in calculating your auto insurance rates. Consumers who have good credit tend to be less risk to insure than those with lower credit scores. Therefore, if your credit rating is low, you could potentially save money when insuring your by repairing your credit.

Save money by taking advantage of these discounts

Insuring your vehicles can cost a lot, but there are discounts available to cut the cost considerably. Most are applied at the time of quoting, but some may not be applied and must be asked for before you get the savings.

• Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
• Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more if you qualify.
• Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
• Claim Free – Good drivers with no accidents pay much less compared to accident-prone drivers.
• Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

To choose insurance companies who offer auto insurance discounts in Winfield, click here to view.

When should I use an insurance agent?

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out whether your personal situation will benefit from professional help.

• Is pleasure use cheaper than using my vehicle to commute?
• Who is covered when they drive my vehicle?
• Does my policy cover me when driving someone else’s vehicle?
• What companies insure drivers after a DUI or DWI?
• Am I covered when driving on a suspended license?
• Should I have combined single limit or split liability limits?
• Why does it cost so much to insure a teen driver in Winfield?
• What are Kansas no-fault laws?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

And the best car insurance company is…

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

The cheapest auto insurance is attainable from both online companies and with local Winfield insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented some good ideas how to reduce auto insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Consumers may even find the most savings is with a small mutual company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

To learn even more about auto insurance

More information can be found on the website for the Kansas Insurance Department found here. Kansas drivers can get help finding coverage, view agent and company licensing information, and read industry bulletins.

Other informative sites include BankRate.com’s Car Insurance: When not to Skimp and this page of insurance agents in Winfield.