Overpriced car insurance can dwindle your savings account and force you to prioritize other expenses. Shopping your coverage around is a great way to cut your insurance bill. You have so many insurance companies to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates and find the lowest cost car insurance.
Smart consumers take time to check car insurance prices every six months due to the fact that insurance rates change frequently. Just because you found the lowest rates two years ago a different company probably has better rates today. There is a lot of bad advice regarding car insurance on the web, but with this article, you’re going to get a bunch of ideas how to put money back in your pocket.
Finding lower Topeka car insurance rates doesn’t have to be difficult. Drivers just need to spend a few minutes to get quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.
It’s your choice how you get your quotes, but ensure you’re using exactly the same information on every quote. If the quotes have different limits and deductibles on each one it will be very difficult to make a fair comparison in Topeka.
Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Most are applied when you purchase, but a few need to be specifically requested before you will receive the discount. If you’re not getting every credit possible, you are throwing money away.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. But any discount will cut your overall premium however.
To see a list of insurance companies with the best car insurance discounts in Topeka, click here.
Some consumers would prefer to visit with an insurance agent and there is nothing wrong with that. Agents can point out coverage gaps and help you file claims. The biggest benefit of getting online price quotes is you can get better rates and still choose a local agent. And providing support for local insurance agencies is especially important in Topeka.
To find an agent, once you fill out this short form, the coverage information gets sent to participating agents in Topeka who will battle for your insurance coverage. You won’t need to leave your computer because quoted prices will be sent directly to your email. Now that’s easy!
If you’re trying to find a reputable insurance agent or broker, there are two different types of agents that you can select. Agents are either independent (non-captive) or captive. Both types can write coverage properly, but it’s good to learn the difference between them because it can influence the selection process.
These agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
When searching for an agent, you should always get quotes from at least one independent agent to have the most options to choose from.
Listed below is a short list of independent agencies in Topeka that can give you pricing information.
D F KERR Agency Inc – 510 NW Broad St # 102 – Topeka, KS 66608 – (785) 235-1200
Peoples Insurance and Benefit – 1414 SW Ashworth Pl # 201 – Topeka, KS 66604 – (785) 271-8097
Peter Bellucci Agency Inc – 921 SW 37th St – Topeka, KS 66611 – (785) 266-0500
Chris Corbin Agency Inc – 2150 SW Westport Dr # 201 – Topeka, KS 66614 – (785) 273-2230
Insurance Services Office Inc – 12920 SW State Rd – Topeka, KS 66610 – (785) 256-6674
This type of agents write business for a single company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. These agents are trained well on the products they sell which helps them compete with independent agents.
Shown below are Topeka captive insurance agencies willing to provide price quotes.
Shelter Insurance – 1129 SW Wanamaker Rd # 100 – Topeka, KS 66604 – (785) 272-3791
American Family Insurance – 1215 SW Gage Blvd # A – Topeka, KS 66604 – (785) 271-1006
Kansas Farm Bureau – 800 SW Jackson St – Topeka, KS 66612 – (785) 234-4535
State Farm Insurance – 5638 SW 29th St # B – Topeka, KS 66614 – (785) 272-8400
Farmers Insurance Group – 3105 SW 29th St # 204 – Topeka, KS 66614 – (913) 248-3900
Allstate Insurance – 2685 Goal Ave – Topeka, KS 66614 – (785) 271-5060
To view a complete directory of Topeka captive insurance agents, visit this link.
Deciding on an auto insurance agent needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:
After getting good answers for all questions you ask and an acceptable price quote, you may have just found an insurance agency that can service your policy.
Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Understanding what determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.
Kansas drivers constantly see and hear ads for car insurance savings by companies like Allstate and Progressive. They all seem to say the same thing that you can save after switching to them.
How does each company say the same thing?
All companies are able to cherry pick for the type of driver that earns them a profit. For instance, a driver they prefer could be over the age of 50, insures multiple vehicles, and has excellent credit. A customer who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.
Potential customers who do not match the “perfect” profile will be charged higher premiums which usually ends up with business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently claim big savings.
That is why you should compare as many rates as you can. It is impossible to predict which company will have the lowest rates.
Low-cost car insurance is attainable from both online companies as well as from independent agents in Topeka, and you should be comparing both to have the best rate selection. A few companies don’t offer online quoting and these regional insurance providers work with independent agents.
As you shop your coverage around, never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
More information can be found on the website for the Kansas Insurance Department. Click here for link. Kansas consumers can find out which companies have the most complaints, view a list of available companies, and get help finding coverage.