Free Guide to Cutting Costs on Olathe, KS Car Insurance Online

Are you overwhelmed by the sheer number of car insurance choices in Olathe? You’re not alone. Consumers have so many options available that it can be a challenge to locate the lowest price.

If you have a policy now or are just looking to switch companies, you can follow these tips to cut your premiums and still get good coverage. The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. Kansas drivers just need to learn the best way to compare rates over the internet.

Be sure to get all your discounts

Companies offering auto insurance don’t list every discount in an easy-to-find place, so we break down some of the more common and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Accident Waiver – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Drivers Education – Have your child take driver’s ed class if offered at their school.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% with certain companies.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So when it seems like you could get a free car insurance policy, you won’t be that lucky.

For a list of insurers with discount car insurance rates in Kansas, follow this link.

How to Get Olathe Car Insurance Comparison Quotes

Reducing your insurance rates is actually quite simple. Just take time comparing rate quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form eliminates the need for multiple quote forms for each company you want a rate for. One simple form gets you coverage quotes from several companies.It’s the quickest way to get rates.

A different way to compare rate quotes consists of visiting the website for every company you want to comare to complete a price quote. For examples sake, let’s say you want to compare Farmers, Progressive and State Farm. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

To view a list of companies in Olathe, click money concept

The least recommended way to compare rates to different agent offices. The internet can eliminate the need for a local agent unless you want the professional guidance of a local agent. You can, however, get the lowest quotes online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just ensure you’re using identical coverage information for each price quote. If you enter different values for each quote you can’t possibly determine which rate is truly the best in Olathe.

What impacts Olathe insurance rates?

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • Liability coverage protects you – The liability section of your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Marriage brings a discount – Getting married helps lower the price on your policy. Marriage translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women tend to get into accidents at a similar rate, but the men cause more damage. Men also statistically have more aggressive citations such as reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Bump up deductibles to save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and burglary. The deductibles are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The higher the amount you’re willing to pay, the less your company will charge you for insurance.

Are insurance agents obsolete?

Some people would prefer to visit with an insurance agent and that is just fine! Agents can answer important questions and give you peace of mind. The best thing about price shopping on the web is the fact that you can find lower rates but still work with a licensed agent.

Once you complete this quick form, your insurance data is sent to companies in Olathe who will give you bids for your coverage. You won’t need to leave your house because quoted prices will be sent immediately to your email address. How cool is that?!

Deciding on a company shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:

  • Can they provide you with a list of referrals?
  • If you have an accident, will your rates go up?
  • Do they regularly work with personal auto policies?
  • Which company do they place the most coverage with?
  • What are the financial ratings for the companies they represent?
  • Do they assist clients in filing claims?
  • How much will you save each year by using a higher deductible?

If you prefer to select a specific agent in Olathe, click here to link.

Upon receiving acceptable answers to any questions you have and locked in a price quote, most likely you have located an insurer that can service your policy.

Olathe car insurance prices

Final considerations

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone sacrificed full coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

The cheapest car insurance can be purchased on the web as well as from independent agents in Olathe, so compare prices from both to have the best rate selection. There are still a few companies who don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

People who switch companies do it for a variety of reasons including unfair underwriting practices, high prices, delays in responding to claim requests or even questionable increases in premium. Whatever your reason, choosing a new insurance company can be pretty painless.

More tips and info about car insurance can be read at the Kansas Insurance Department website. Kansas drivers can learn about insurance regulations, find out which companies have the most complaints, and find disaster information.