Ultimate Tricks for Low-Cost Overland Park Car Insurance

Are you a victim of overpriced car insurance? Believe me, there are many people just like you. Because there are so many companies and agents to choose from, it is hard for the average consumer to choose the most cost effective car insurance company.

You should take the time to get comparison quotes occasionally since insurance rates go up and down regularly. Just because you had the best deal a year ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find better coverage at a better price.

Pricing cheaper coverage in Overland Park is simple if you know the tricks. If you are insured now or need new coverage, you can use this information to cut your premiums while maintaining coverages. Kansas drivers just need to learn the proper way to shop online.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specifically requested before they will apply. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Safe Drivers – Safe drivers may save up to 50% more than less cautious drivers.
  • Senior Discount – If you qualify as a senior citizen, you may receive better car insurance rates.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Student in College – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will cut your premiums.

What if I want to buy from a local Overland Park agent?

Some consumers prefer to talk to a local agent and there is nothing wrong with that. Licensed agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing rates online is you may find the lowest rates and still choose a local agent. Buying from local businesses is important especially in Overland Park.

After filling out this simple form, your insurance coverage information is submitted to participating agents in Overland Park who will give you bids for your coverage. There is no need to drive around as quotes are delivered straight to your inbox. Now that’s easy!

The difference between Overland Park car insurance agents

If you’re trying to find a reliable agent, you must know there are a couple types of insurance agents from which to choose. Agencies in Overland Park are either independent (non-captive) or captive. Both insure your vehicles, but it’s good to learn the differences because it can impact buying decisions.

Independent Agencies or Brokers

Independent agencies are not required to write business for one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and that require little work on your part.

When comparing rates, you should always get quotes from at a minimum one independent agency to ensure the widest selection of prices.

Shown below are Overland Park independent agents willing to provide competitive price quotes.

Chapman Agency – 11827 W 112th St – Overland Park, KS 66210 – (913) 451-8458
Country Insurance and Financial – 10591 Barkley St # 101 – Overland Park, KS 66212 – (913) 780-3000
Midwest Insurance Technicians – 11644 W 75th St – Overland Park, KS 66214 – (913) 631-5550
Rob Levitch Agency – 6804 W 107th St # 225 – Overland Park, KS 66212 – (913) 642-1160
American Agency – 10801 Mastin St – Overland Park, KS 66210 – (913) 323-7800

Captive Insurance Agents

This type of agents can only write with one company and examples are State Farm, AAA and Liberty Mutual. They are unable to provide prices from multiple companies so they have to upsell other benefits. Captives are usually quite knowledgeable on their company’s products and that can be a competitive advantage.

The following are captive agents in Overland Park willing to provide comparison quotes.

Farmers Insurance Group – 11827 W 112th St # 100 – Overland Park, KS 66210 – (913) 338-2440
Shelter Insurance – 10925 Antioch Rd – Overland Park, KS 66210 – (913) 642-0351
American Family Insurance – 6420 W 95th St # 101 – Overland Park, KS 66212 – (913) 649-2000
Allstate Insurance – 7500 College Blvd – Overland Park, KS 66210 – (913) 469-8855
State Farm Insurance – 9407 W 87th St – Overland Park, KS 66212 – (913) 648-0585

To view a complete directory of car insurance agents in Overland Park, click here to link.

Choosing an auto insurance agent requires more thought than just the price. Some important questions to ask are:

  • Are you getting all the discounts the company offers?
  • Does the agency provide any after hours assistance?
  • Which insurance companies are they affiliated with?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If your car is in the repair shop, do you have coverage for a rental car?

Once you have acceptable answers to any questions you have and locked in a price quote, it’s possible that you found a car insurance agent that is a good match to service your policy.

For more reading

Additional car insurance information can be read on the website for the Kansas Insurance Department. Click here for link. Consumers can get help finding coverage, read enforcement actions against agents and companies, download brochures, and report car insurance fraud.

Additional helpful sites include this site for car insurance rates in Kansas and this page for help finding agents in Overland Park, KS.

A tidy conclusion

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In too many instances, an insured dropped liability limits or collision coverage and discovered at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at the best price.

Cheaper car insurance is possible both online and also from your neighborhood Overland Park agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and most of the time these small insurance companies sell through independent agents.