Secret Strategies for Buying Newton, KS Auto Insurance Cheaper

Nobody likes paying for auto insurance, in particular when their premiums are too high.

Because there are so many choices, it is hard for the average consumer to find the lowest cost company.

Finding the best rates in Newton is not that difficult. In a nutshell, every vehicle owner who is shopping for auto insurance will be able to save money. But Kansas consumers must comprehend how big insurance companies determine prices.

How to Lower Your Auto Insurance Cost in Newton, Kansas

When shopping for auto insurance there are multiple ways of comparing rates and find the best price. The fastest way to find the lowest rates is simply to get online rate quotes. This can be done in a couple of different ways.

The recommended way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This form saves time by eliminating separate forms for every auto insurance company. A single form will get you price quotes from many national carriers.
A more difficult way to obtain and compare quotes online requires visiting each individual company website and complete a new quote form. For examples sake, let’s say you want to compare GEICO, State Farm and Progressive. To get each rate you have to go to every website to enter your coverage information, which is why most consumers use the first method.
For a list of links to companies insuring cars in Newton, click here.
The least recommended way of comparing rate quotes is driving around to different Newton agent offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional advice of a local Newton agent. However, consumers can comparison shop your insurance online but still have the advice of a local agent and we’ll cover that in a bit.

Which method you use is up to you, but make darn sure you compare the exact same deductibles and coverage limits for every company. If your comparisons have different deductibles you can’t possibly find the best deal in Newton. Having just a slight variation in limits may result in large price differences. It’s important to know that having more price comparisons will improve the odds of getting the best rates.

Situations that might require an agent

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you may require specific advice.

Should I put collision coverage on all my vehicles?
Am I covered when driving a rental car?
Do I need higher deductibles?
When do I need to add a new car to my policy?
Does coverage extend to a rental car in a foreign country?
Where can I get insurance after a DUI in Kansas?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

What happened to insurance agents?

Some people would rather buy from a licensed agent and that is a personal choice. The best thing about getting online price quotes is that you can obtain better rates but also keep your business local. Newton Kansas insurance prices

To find an agent, once you fill out this simple form, your insurance coverage information is submitted to participating agents in Newton who will compete to get your business. There is no need to leave your computer since price quotes are sent immediately to your email address. Now that’s easy! Get lower rates and a licensed agent to work with.

Deciding on an provider requires more thought than just a cheap price. Agents should be asked these questions:

Are claim adjusters local or do you have to take your car somewhere else?
If your car is totalled, how to they determine the replacement cost?
Does the agency have a good rating with the Better Business Bureau?
Are you getting all the discounts the company offers?
Will your rates increase after a single accident?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
How are they compensated?
Who are their largest clients?

Choose an insurance agent wisely

When looking for a local agent, there are a couple of types of agencies that you can select. Agencies in Newton are either independent or captive.

Captive Insurance Agents

This type of agents are contracted to one company like AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. Captive agencies are well schooled on their company’s products which can be an advantage.

The following is a short list of captive insurance agencies in Newton willing to provide rate quotes.

Farmers Insurance Group – 614 N Main St – Newton, KS 67114 – (316) 283-0021
American Family Insurance – 1311 N Main St – Newton, KS 67114 – (316) 283-6605
State Farm Insurance – 1025 N Main St – Newton, KS 67114 – (316) 283-6726

Independent Agencies or Brokers

These agents are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When shopping rates, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.

Shown below is a list of independent agencies in Newton who can help you get price quotes.

Miller Insurance – 715 N Main St – Newton, KS 67114 – (316) 283-7281
Krueger Insurance Management – 130 E 4th St – Newton, KS 67114 – (316) 283-9100
Hosford Agency Inc – 227 W Broadway St – Newton, KS 67114 – (316) 283-4241

To view a full list of auto insurance agents in Newton, please view this page.

Once you have positive feedback for all questions you ask and an affordable coverage quote, you’ve probably found an insurance agency that can properly insure your vehicles.

More tips and info about auto insurance is located at the Kansas Insurance Department website. Kansas consumers can discover disciplinary actions, find a variety of consumer forms, read enforcement actions against agents and companies, and learn about insurance regulations.

The articles below may also help you learn more about auto insurance in Newton