Are you trying to find lower-priced insurance rates in Olathe, KS? Do you think you bought overpriced insurance? Trust us, you're not alone.
Unbelievably, a large majority of insurance policyholders in Kansas have bought insurance from the same company for at least four years, and almost 40% of drivers have never even compared rates from other companies. Consumers in America could save almost 47% every year just by getting comparison quotes, but most undervalue the rate savings if they bought a different policy. Drivers have so many car insurance companies to insure vehicles with, and although it's a good thing to have a selection, more choices can make it harder to compare rates.
Obtaining price quotes for cheaper protection in Olathe is not as time-consuming as you think. If you're already insured or are looking for a new policy, you can follow these tips to cut your premiums and still have adequate protection. Comparison shoppers just have to understand the most effective way to compare rates using one simple form.
Lower Olathe auto insurance rates
Part of the auto insurance buying process is learning the rating factors that help determine your premiums. If you have a feel for what influences your rates, this helps enable you to make changes that may result in cheaper rates. Lots of factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although some other factors are more transparent like your continuous coverage or how financially stable you are.
Listed below are some of the major factors used by your company to calculate prices.
Put fewer miles on your vehicle - The higher the miles on your car every year the more it will cost to insure it. Almost all companies apply a rate based upon how much you drive. Autos that sit idle most of the time cost less to insure than cars that get driven a lot. Double check that your vehicle rating reflects the correct usage for each vehicle.
Frequent auto insurance claims increase premiums - Auto insurance companies in Kansas award the lowest premiums to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is designed for major claims that would cause financial hardship.
City dwellers may pay more - Choosing to live in a rural area can save you money when trying to find low car insurance rates. Drivers who live in large cities have congested traffic and a longer drive to work. Less people translates into fewer accident claims in addition to lower liability claims
Cars with good safety ratings are cheaper to insure - Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety protect occupants better and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders. If your car, truck, or SUV scored at minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it may be receiving lower rates.
Don't buy extra coverages that aren't used - Insurance policies have a lot of add-on coverages that sound like a good idea at the time if you don't pay attention. Insurance for things like rental car reimbursement, high-cost glass coverage, and extra life insurance coverage are some examples. They may sound like good ideas when talking to your agent, but now you might not need them so remove them and pocket the money.
Defend yourself with liability insurance - Liability coverage will protect you if you are responsible for physical damage or personal injury to other. Your policy's liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage compared to other policy coverages, so do not skimp.
Finding a better price on auto insurance can be relatively painless. Consumers just need to take the time to compare rates to find the company with low cost Olathe auto insurance quotes.
Comparison shopping rate quotes online is easy and it takes the place of having to make phone calls or go to each insurance agency near you. Buying insurance online eliminates the middleman unless you have a need for the extra assistance of a local Olathe agent. You can, however, get prices online but buy from a local Olathe insurance agent.
The providers in the list below offer comparison quotes in Kansas. If the list has multiple companies, it's a good idea that you get prices from several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ 2WD||$818||$409||$68|
|Chevrolet Impala LT||$904||$452||$75|
|Chevrolet Malibu LTZ||$816||$408||$68|
|Chevrolet Silverado LS Crew Cab 4WD||$818||$409||$68|
|Dodge Ram Crew Cab Laramie 4WD||$1,250||$625||$104|
|Ford Escape XLS 2WD||$1,038||$519||$87|
|Ford F-150 FX2 2WD||$692||$346||$58|
|Ford Focus S 4-Dr Sedan||$1,114||$557||$93|
|Honda Accord LX-P 4-Dr Sedan||$712||$356||$59|
|Honda CR-V EX-L 2WD||$860||$430||$72|
|Honda Civic DX 4-Dr Sedan||$922||$461||$77|
|Hyundai Elantra GLS 4-Dr Sedan||$1,016||$508||$85|
|Jeep Grand Cherokee SRT-8 4WD||$818||$409||$68|
|Jeep Wrangler Sport 4WD 2-Dr||$774||$387||$65|
|Kia Optima SX||$970||$485||$81|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,054||$527||$88|
|Toyota Camry XLE||$892||$446||$74|
|Toyota Corolla S||$1,060||$530||$88|
|Toyota Tacoma 4WD||$722||$361||$60|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in your specific Olathe location which can alter insurance rates greatly.
Policy deductible comparison
The example below illustrates how your deductible choice and can influence Honda Accord insurance costs for different insured age categories. The premiums are based on a single female driver, full coverage, and no discounts are applied to the premium.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Physical damage deductibles
When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The figures shown below can help you understand the price difference when you choose different insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$214||$446||$286||$16||$86||$1,073||$89|
|Civic VP 4-Dr Sedan||$214||$524||$286||$16||$86||$1,151||$96|
|Civic LX 4-Dr Sedan||$214||$524||$286||$16||$86||$1,151||$96|
|Civic DX 2-Dr Coupe||$214||$524||$358||$22||$108||$1,251||$104|
|Civic EX 4-Dr Sedan||$214||$524||$286||$16||$86||$1,151||$96|
|Civic LX-S 4-Dr Sedan||$214||$524||$286||$16||$86||$1,151||$96|
|Civic LX 2-Dr Coupe||$214||$604||$358||$22||$108||$1,331||$111|
|Civic EX-L 4-Dr Sedan||$246||$604||$286||$16||$86||$1,263||$105|
|Civic SI 4-Dr Sedan||$246||$604||$286||$16||$86||$1,263||$105|
|Civic EX 2-Dr Coupe||$246||$604||$358||$22||$108||$1,363||$114|
|Civic GX 4-Dr Sedan||$246||$604||$286||$16||$86||$1,263||$105|
|Civic EX-L 2-Dr Coupe||$246||$604||$358||$22||$108||$1,363||$114|
|Civic Hybrid 4-Dr Sedan||$278||$524||$286||$16||$86||$1,215||$101|
|Civic SI 2-Dr Coupe||$278||$684||$358||$22||$108||$1,475||$123|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$156||$300||$286||$16||$86||$844||$70|
|Civic VP 4-Dr Sedan||$156||$354||$286||$16||$86||$898||$75|
|Civic LX 4-Dr Sedan||$156||$354||$286||$16||$86||$898||$75|
|Civic DX 2-Dr Coupe||$156||$354||$358||$22||$108||$998||$83|
|Civic EX 4-Dr Sedan||$156||$354||$286||$16||$86||$898||$75|
|Civic LX-S 4-Dr Sedan||$156||$354||$286||$16||$86||$898||$75|
|Civic LX 2-Dr Coupe||$156||$408||$358||$22||$108||$1,052||$88|
|Civic EX-L 4-Dr Sedan||$180||$408||$286||$16||$86||$976||$81|
|Civic SI 4-Dr Sedan||$180||$408||$286||$16||$86||$976||$81|
|Civic EX 2-Dr Coupe||$180||$408||$358||$22||$108||$1,076||$90|
|Civic GX 4-Dr Sedan||$180||$408||$286||$16||$86||$976||$81|
|Civic EX-L 2-Dr Coupe||$180||$408||$358||$22||$108||$1,076||$90|
|Civic Hybrid 4-Dr Sedan||$204||$354||$286||$16||$86||$946||$79|
|Civic SI 2-Dr Coupe||$204||$462||$358||$22||$108||$1,154||$96|
|Get a Quote for Your Vehicle Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in your specific Olathe location which can revise coverage rates greatly.
Based on these figures, using a $100 deductible will cost in the ballpark of $23 more each month or $276 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 17 months between claims, you would more than likely save some money if you decide on a higher deductible.
Insurance in Kansas serves several purposes
Despite the high cost of buying insurance in Olathe, buying insurance may be mandatory for several reasons.
First, almost all states have minimum mandated liability insurance limits which means state laws require a specific level of liability coverage in order to drive the car legally. In Kansas these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your vehicle, almost all lenders will require you to buy insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your vehicle at a much higher rate and force you to pay much more than you were paying before.
Third, insurance preserves both your vehicle and your personal assets. Insurance will also pay for all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance greatly outweigh the cost, especially if you ever need it. An average driver in America overpays as much as $865 each year so compare quotes from several companies at every policy renewal to ensure rates are competitive.
Cheaper Olathe car insurance rates with discounts
Not too many consumers would say car insurance is affordable, but you may be missing some discounts that you may not know about. A few discounts will be applied at the time of quoting, but less common discounts must be asked for prior to getting the savings. If you do not check that you are getting every discount possible, you're paying more than you need to.
- Drivers Education - Cut your cost by having your teen driver enroll and complete driver's education in high school.
- Claim Free - Insureds with no claims or accidents pay much less when compared to policyholders that have many claims.
- Service Members Pay Less - Having a family member in the military could be rewarded with lower premium rates.
- ABS Braking Discount - Cars equipped with ABS or steering control prevent accidents and will save you 10% or more.
- Telematics Data - Insureds that choose to allow companies to track driving habits by using a small device installed in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system could see a rate decrease as long as they are good drivers.
- New Vehicle Savings - Putting car insurance coverage on a new car may earn a small discount because new vehicles have to meet stringent safety requirements.
- Early Renewal Discounts - A few insurance companies offer discounts for renewing your policy prior to your current policy expiring. Ten percent is about the average savings.
- Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.
- Olathe Homeowners Discount - Owning a home in Olathe can help you save on car insurance because owning a home is proof that your finances are in order.
- Anti-theft System - Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your Olathe auto insurance quote.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.
Larger car insurance companies and a selection of discounts are included below.
- Farmers Insurance may include discounts for alternative fuel, electronic funds transfer, pay in full, switch companies, mature driver, multi-car, and homeowner.
- Esurance offers premium reductions for homeowner, safety device, multi-car, good student, online shopper, and online quote.
- State Farm may have discounts that include multiple autos, driver's education, accident-free, safe vehicle, Steer Clear safe driver discount, and passive restraint.
- GEICO includes discounts for anti-lock brakes, military active duty, federal employee, multi-policy, good student, air bags, and driver training.
- Allstate has savings for senior citizen, EZ pay plan discount, economy car, good student, utility vehicle, and defensive driver.
When getting a coverage quote, ask each insurance company how many discounts you can get. Some discounts listed above might not be available to policyholders in Olathe.
Car insurance agents near you
A small number of people just want to get advice from a local agent and doing so can bring peace of mind Good agents are trained to spot inefficiencies and help you file claims. An additional benefit of price shopping on the web is you can get lower premium rates but also keep your business local. Buying from neighborhood insurance agencies is still important in Olathe.
To help locate an agent, after submitting this form (opens in new window), the coverage information is sent to participating agents in Olathe that can give you free Olathe auto insurance quotes and help you find cheaper coverage. You don't have to leave your house since price quotes are sent instantly to you. If you wish to compare prices for a specific company, you just need to navigate to their website and submit a quote form there.
Best car insurance agent in Olathe
If you want to buy auto insurance from a local agent, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Olathe agents can be categorized as either exclusive or independent. Both types can do a good job, but we need to point out the difference in how they write coverage since it may influence which type of agent you select.
Independent Insurance Agents
Independent insurance agents are not employed by any specific company and that enables them to quote your coverage with many different companies and find you cheaper rates. If your agent finds better pricing, your agent can switch companies and you stay with the same agent.
When comparison shopping, you need to include several independent agencies to have the most options to choose from.
Agents of this type can only quote rates from one company and examples are Farmers Insurance or State Farm. These agents are unable to compare rates from other companies so it's a take it or leave it situation. They receive extensive training on their products and sales techniques and that allows them to sell at a higher price point.
Finding a good auto insurance agent requires more thought than just a cheap price. The answers to these questions are important, too.
- By raising physical damage deductibles, how much would you save?
- Are they able to provide referrals?
- Is the quote a firm price?
- Is every driver in your family covered?
- Can glass claims be handled at your home?
- Does the agency support the community they serve?
- Can they help ensure a fair claim settlement?
We just covered some good ideas how you can find cheaper coverage online. The most important thing to understand is the more you quote Olathe auto insurance, the higher the chance of saving money. You may even find the best price on insurance is with a company that doesn't do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.
There are still a few companies who don't offer online rate quotes and these smaller providers work with independent agents. Cheaper insurance in Olathe is attainable both online in addition to many Olathe insurance agents, and you need to comparison shop both to get a complete price analysis.
More information can be found on the following sites:
- A Tree Fell on Your Car: Now What? (Allstate)
- What Insurance is Cheapest for Good Students in Kansas? (FAQ)
- What Car Insurance is Cheapest for Active Military in Kansas? (FAQ)
- How Much is Car Insurance for a Hyundai Tucson in Kansas? (FAQ)
- Who Has Cheap Kansas Auto Insurance for a Dodge Grand Caravan? (FAQ)
- How Much are Auto Insurance Rates for Used Cars in Kansas? (FAQ)
- Who Has the Cheapest Kansas Car Insurance Rates for Electric Cars? (FAQ)
- What is the Cheapest Car Insurance in Olathe, Kansas? (FAQ)
- Booster Seat Ratings (iihs.org)
- Liability Insurance Coverage (Nationwide)
- Rental Car Insurance Tips (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)