5 Excellent Ways to Lower Car Insurance Premium in Hutchinson, Kansas

Finding lower rates for Hutchinson car insurance is hard for people who are new to comparison shopping online. Consumers have so many companies to choose from that it can turn into a real hassle to locate the lowest price in Hutchinson.

It’s a good idea to shop coverage around once or twice a year because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal last year you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the things you must know in order to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you should be able to save some money using these methods. This information will help you learn the best way to quote coverages and some money-saving tips. But Kansas car owners need to have an understanding of the way companies price online insurance and use this information to your advantage.

What impacts Hutchinson insurance rates?

It’s important that you understand the rating factors that go into determining car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are some of the factors companies use to determine premiums.

  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
  • Always keep insurance in force – Allowing your car insurance policy to lapse will be a quick way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with the Kansas DMV.
  • Are you male or female? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving.
  • Better credit means lower rates – Your credit history is a large factor in your rate calculation. So if your credit score is not that good, you could save money insuring your by improving your rating. People with excellent credit tend to be more responsible than drivers who have lower credit scores.
  • Where you reside plays a part – Living in less populated areas can save you money when talking about car insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Fewer people means fewer accidents.
  • Where do you drive? – Driving more miles every year the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance coverage properly reflects the proper vehicle usage.
  • A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Even a single citation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.

Save money by taking advantage of these discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. A few discounts will automatically apply at quote time, but some must be manually applied before you get the savings.

  • Paperwork-free – Certain companies give back up to $50 for buying a policy and signing up on their website.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Defensive Driving Course – Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • 55 and Retired – Mature drivers may qualify for reduced rates.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.

For a list of companies with discount car insurance rates in Hutchinson, click here to view.compare rates in Hutchinson

But don’t I need an insurance agent?

Some consumers prefer to buy from a local agent and that is OK! One of the best bonuses of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to. Buying from small agencies is definitely important in Hutchinson.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is submitted to agents in your area who will compete for your business. You never need to leave your computer since price quotes are sent straight to your inbox. How cool is that?! You can find better rates AND a local agent.

If you wish to view licensed agents in Hutchinson, visit this site.

Deciding on a company needs to be determined by more than just the premium amount. These are valid questions to ask:

  • Can they give you a list of client referrals?
  • Are there any discounts that you might be missing?
  • How often do they review policy coverages?
  • How long have they worked with personal auto insurance coverage?
  • Do they make recommendations based only on price?
  • What insurance companies do they recommend if they are an independent agent?

After getting reasonable responses to any questions you have as well as a affordable price, most likely you have located a company that is a good match to insure your vehicles.

Drivers who switch save $455 a year? Really?

Car insurance providers like Allstate, GEICO and Progressive consistently run ads on television and other media. They all make an identical promise of big savings if you change to their company. How does each company make almost identical claims? It’s all in the numbers.

All companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured might be profiled as a mature driver, a clean driving record, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who are not a match for these standards must pay higher premiums which leads to business not being written. The ads say “customers that switch” not “everybody who quotes” save money. That’s why companies can truthfully advertise the way they do.

This illustrates why you absolutely need to quote coverage with many companies. It is impossible to predict which company will give you the biggest savings.

compare rates in Hutchinson

For more information

Additional information can be read on the Kansas Insurance Department website located here. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, read industry bulletins, and find a variety of consumer forms.

Affordable insurance is out there

People leave their current company for any number of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests and delays in paying claims. It doesn’t matter why you want to switch switching car insurance companies is actually quite simple.

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Cost effective car insurance can be purchased online and with local Hutchinson insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.