Paying for high-priced auto insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances. Drivers have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a selection, it makes it harder to adequately compare rates.
Finding the best rates in Dodge City is not rocket science. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Kansas vehicle owners just need to understand the tricks to get comparison quotes online.
Companies that sell car insurance don’t always advertise all their discounts very clearly, so we researched both the well known and also the lesser-known auto insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.
Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.
Shown below are some of the factors that factor into prices.
When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if you might need an agent’s assistance.
If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.
Some consumers prefer to sit down with an agent and that is OK! Licensed agents can point out coverage gaps and help in the event of a claim. The biggest benefit of getting online price quotes is the fact that you can find lower rates and still choose a local agent.
To help locate an agent, after submitting this quick form, the coverage information is sent to companies in Dodge City who will give you bids for your coverage. You don’t have to drive around since price quotes are sent immediately to your email address. Now that’s easy!
Picking an insurer should depend on more than just the bottom line cost. These questions are important to ask:
When researching a local agent, you need to know there are two types of agencies to choose from. Insurance agencies in Dodge City are categorized either independent or captive. While both can do a good job, but it’s good to learn the difference between them because it can impact your agent selection.
Captive agencies have only one company to place business with such as State Farm or Allstate. They usually cannot shop your coverage around so they have to upsell other benefits. Captive agencies are well schooled on the products they sell which helps them compete with independent agents.
Listed below is a list of captive insurance agents in Dodge City that are able to give comparison quotes.
Farm Bureau Insurance – 1701 N 14th Ave # 2 – Dodge City, KS 67801 – (620) 227-9612
Shelter Insurance – 2400 1st Ave # 102 – Dodge City, KS 67801 – (620) 227-8054
State Farm Insurance – 2520 N 14th Ave – Dodge City, KS 67801 – (620) 225-5631
American Family Insurance – 2400 1st Ave # 103 – Dodge City, KS 67801 – (620) 227-2733
Independent insurance agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, it’s recommended you contact at least one independent agent to get the best comparison.
The following is a list of independent agencies in Dodge City that can give you price quote information.
C S Trent Agency – 100 Military Ave # 121a – Dodge City, KS 67801 – (620) 227-6500
Don Luallen Insurance Inc – 2011 Central Ave – Dodge City, KS 67801 – (620) 227-2146
Burr-Butler Insurance – 312 W Wyatt Earp Blvd – Dodge City, KS 67801 – (620) 227-3196
Joseph Peters Agency Inc – 106 W Frontview St # 2 – Dodge City, KS 67801 – (620) 227-8722
For a complete listing of licensed insurance agents in Dodge City, go to this page.
Once you have reasonable responses to all your questions and an acceptable price quote, you may have just found an insurance agent that will insure your vehicles.
More detailed Kansas auto insurance information can be read at the Kansas Insurance Department website. Visitors are able to read industry bulletins, file complaints about a company, and report car insurance fraud.
Throughout this article, we presented many ideas to save on auto insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from the least-expected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
When trying to cut insurance costs, never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.