Learn How to Quote Shawnee, KS Car Insurance Like an Expert

Finding affordable Shawnee car insurance is nearly impossible for people who are new to comparing rates online. There are so many options that it can quickly become a real hassle to find the best price in Shawnee.

Smart consumers take time to compare rates occasionally because prices are constantly changing. Even if you think you had the best rates on your last policy you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn the best methods to find the best coverage while lowering your premiums.

If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. This article will teach you how to effectively get price quotes and some money-saving tips. Kansas vehicle owners only need an understanding of the best way to compare prices on the web.

Fast and Easy Shawnee Car Insurance Quotes

Getting better car insurance pricing can be relatively painless. Just invest a few minutes comparing rate quotes online from several insurance companies. This can be done in several different ways.

One of the best ways consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing separate forms for each company you want a rate for. Just one form compares rates from car insurance companies with the best prices. Just one form and you’re done.

A different way to shop for car insurance online requires a trip to each company website to complete a price quote. For sake of this example, we’ll assume you want comparison quotes from Allstate, Progressive and Liberty Mutual. You would have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in Shawnee, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same deductibles and coverage limits for every quote you compare. If your comparisons have different values for each quote it will be very difficult to determine the lowest rate in Shawnee.

Misconceptions in car insurance advertisements

Consumers constantly see and hear ads for car insurance savings from companies such as Allstate and Progressive. All the ads make an identical promise of big savings if you switch your policy.

How does each company make the same claim?<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-68.jpg" alt="Car insurance in Kansas” />

All companies can use profiling for the driver that is profitable for them. For instance, a preferred risk might be profiled as over the age of 50, a clean driving record, and drives less than 7,500 miles a year. Any driver who fits that profile will get very good rates and therefore will save when switching.

Potential customers who are not a match for the “perfect” profile will be quoted more money which usually ends up with business not being written. The ads say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make those claims.

This emphasizes why you absolutely need to get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest rates.

What impacts Shawnee insurance rates?

Smart consumers have a good feel for some of the elements that go into determining car insurance rates. Understanding what determines base rates enables informed choices that will entitle you to better car insurance rates.

Listed below are some of the factors car insurance companies consider when setting prices.

  • Discounts for multiple policies – Most insurers provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to ensure the best deal.
  • How’s your driving record? – Even a single moving violation can boost insurance rates twenty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Marriage brings a discount – Being married helps lower the price on your car insurance policy. Having a significant other means you’re more responsible and statistics show married couples file fewer claims.
  • Your credit rating is important – Having a bad credit history is a big factor in calculating your car insurance rates. If your credit history is not that good, you could be paying less to insure your by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Your car’s features help determine rates – Driving a car with an alarm system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • High deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to spend before your car insurance pays a claim. The more expense you are required to pay out-of-pocket, the less your car insurance will be.
  • Is your vehicle built for speed? – The performance level of the vehicle you drive makes a significant difference in your rates. Lower performance four cylinder passenger models generally receive the lowest base rates, but other factors influence the final cost greatly.
  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and financial analysts are shown to have higher average rates due to high stress and long work hours. Conversely, jobs such as actors, engineers and performers pay the least.

Save big with these discounts

Car insurance can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically at the time you complete a quote, but a few need to be manually applied before they will apply. If you don’t get every credit possible, you’re just leaving money on the table.

  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more than drivers with accident claims.
  • Senior Citizens – Older drivers may be able to get reduced rates.
  • Distant Student – Any of your kids who live away from home and don’t have a car may be able to be covered for less.

Drivers should understand that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will help reduce your premiums.

But I don’t know anything about car insurance

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

lower rates in Shawnee KS

  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?
  • At what point should I drop full coverage?
  • What should my uninsured motorist coverage limits be in Kansas?
  • Is business equipment covered while in my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Is my vehicle covered for flood damage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Online plus local equals savings

As you restructure your insurance plan, you should never buy poor coverage just to save money. In many cases, someone sacrificed collision coverage only to regret 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 an affordable rate, not the least amount of coverage.

In this article, we covered many ways to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from the least-expected company.

Drivers change insurance companies for many reasons like high rates after DUI convictions, denial of a claim, being labeled a high risk driver or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

To learn more about car insurance in Kansas

More information is available on the Kansas Insurance Department website through this link. Visitors are able to read consumer alerts, find out industry alerts, read industry bulletins, and view a list of available companies.