Lowest Auto Insurance Exclusively for Junction City Kansas Residents

Have you fallen victim to overpriced auto insurance? Trust us, you are not the only one feeling buyer’s remorse. You have multiple auto insurance companies to pick from, and even though it’s nice to have a choice, having more insurers makes it harder to find the lowest cost provider.

It is always a good idea to check auto insurance prices periodically since rates are variable and change quite frequently. Just because you found the best price a year ago there may be better deals available now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

Finding affordable coverage in Junction City is not that difficult. If you have a policy now or are looking for a new policy, you will benefit by learning to find the best rates while maintaining coverages. Kansas drivers just need to understand the best way to find the lowest price on the web.

You probably qualify for some discounts

Companies don’t necessarily list all available discounts very clearly, so we took the time to find some of the more common and the more hidden auto insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• Multiple Vehicles – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Early Signing – A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
• Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
• Save over 55 – Mature drivers may qualify for reduced rates.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, you’re out of luck.

Make smart decisions and save

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

• Don’t buy coverages you don’t need – There are a ton of add-on coverages you can purchase when buying auto insurance. Coverages like roadside assistance, better glass coverage and additional equipment coverage may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.
• Where you live is a factor – Being located in small towns and rural areas can save you money when insuring your vehicles. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
• Don’t skimp on liability – Liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
• Do you know you’re credit rating? – A driver’s credit score is a important factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers with lower ratings. So if your credit history is low, you could be paying less to insure your by repairing your credit.

There’s no such thing as the perfect policy

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might help in determining if you would benefit from professional advice.

• Can I drive in Mexico and have coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need added coverage for expensive stereo equipment?
• Can I still get insurance after a DUI?
• What should my uninsured motorist coverage limits be in Kansas?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

The fine print in auto insurance ads

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Allstate and Progressive. All the companies make the same claim that you’ll save big if you move to them.

How does each company make the same claim?

All companies have a preferred profile for the type of driver that earns them a profit. For example, a desirable insured might be profiled as between the ages of 40 and 55, is a homeowner, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t qualify for the requirements will be quoted higher prices which leads to business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make those claims. This emphasizes why it is so important to get quotes from several different companies. It’s not possible to predict the company that will provide you with the cheapest rates.

To learn even more about auto insurance

Additional detailed information can be read at the Kansas Insurance Department website. Kansas consumers can read consumer alerts, find a variety of consumer forms, file complaints about a company, and report car insurance fraud.

Keep this in mind

Cheap auto insurance can be bought both online in addition to many Junction City insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never skimp on coverage in order to save money. There are too many instances where an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.