Would you like to find more affordable insurance rates in Salina, KS? When searching for more affordable insurance, are you overwhelmed by the wide range of insurance choices in Salina? You have so many choices to choose from that it can easily turn into a difficult mission to lower your premium rates. Salina is an awesome place to live, but expensive insurance premiums can make it hard for many residents to buy proper levels of coverage.

Astonishing but true, over 70% of drivers kept buying from the same company for more than four years, and roughly 40% of drivers have never taken the time to shop around. Consumers in Salina could save as much as 55% every year just by comparing rates, but most just don't grasp the amount of money they would save if they switched.

Consumers need to price shop coverage on a regular basis since prices trend upward over time. Even if you think you had the best deal on insurance at your last renewal you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because I'm going to teach you the best methods to remove unneeded coverages and save money.

Companies offering low-cost prices in Salina, KS

The companies shown below are ready to provide quotes in Salina, KS. If more than one company is shown, we suggest you compare several of them in order to find the most affordable rates.

Insurance Rate Estimates for Popular Vehicles in Salina
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $838 $419 $70
Chevrolet Silverado LS Crew Cab 4WD $942 $471 $79
Dodge Ram Quad Cab SLT 2WD $1,232 $616 $103
Ford Escape Limited 2WD $950 $475 $79
Ford F-150 SVT Raptor Super Cab 4WD $678 $339 $57
Ford Focus SE 2-Dr Coupe $944 $472 $79
Ford Fusion Sport AWD 4-Dr Sedan $878 $439 $73
Honda Accord LX-P 4-Dr Sedan $664 $332 $55
Honda CR-V EX-L 4WD $770 $385 $64
Honda Civic SI 4-Dr Sedan $1,152 $576 $96
Nissan Altima 3.5 SR 2-Dr Coupe $1,078 $539 $90
Nissan Rogue SL AWD $1,228 $614 $102
Toyota Camry Hybrid $1,410 $705 $118
Toyota Corolla LE $1,160 $580 $97
Toyota Tacoma Double Cab TRD Sport Package 4WD $778 $389 $65
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Table data does not factor in vehicle garaging location which can modify insurance rates greatly.

Auto insurance deductibles

One common question asked by Salina drivers is where to set your physical damage deductibles. The comparison tables below determine the rate difference when you select higher and lower deductibles. The first rate estimation uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $246 $446 $286 $16 $86 $1,105 $92
Malibu Hybrid $246 $446 $286 $16 $86 $1,105 $92
Malibu LT $278 $446 $286 $16 $86 $1,137 $95
Malibu LTZ $278 $524 $286 $16 $86 $1,215 $101
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Chevrolet Malibu insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $180 $300 $286 $16 $86 $868 $72
Malibu Hybrid $180 $300 $286 $16 $86 $868 $72
Malibu LT $204 $300 $286 $16 $86 $892 $74
Malibu LTZ $204 $354 $286 $16 $86 $946 $79
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in specific Salina garaging location which can raise or lower premiums substantially.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $21 more each month or $252 every year than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go more than 19 months between claim filings, you would save more money by selecting a higher deductible.

Liability only or full coverage

The illustration below visualizes the comparison of Honda Civic car insurance costs when comparing full coverage to state minimum liability only. The data is based on no claims or driving violations, $250 deductibles, married female driver, and no discounts are applied.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you pay for full coverage or liability only?

There is no exact rule that works best for making the decision to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Honda Civic book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying the physical damage deductible. If premium cost is more than $500 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Drive safe and save

The chart below shows how violations and at-fault claims raise Nissan Altima insurance costs for each different age group. The prices are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance discounts help lower rates

Companies don't always advertise the entire discount list in an easy-to-find place, so the next list breaks down a few of the more well known and also the lesser-known credits that you can use to lower your rates.Cheaper auto insurance with discounts

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, it's just not the way it works.

To see a list of companies that offer discounts in Salina, follow this link.

Don't give up on cheap coverage

We just covered many ways to shop for car insurance online. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a lesser-known regional company.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There have been many situations where someone dropped uninsured motorist or liability limits and learned later that the savings was not a smart move. The goal is to find the BEST coverage at an affordable rate, but do not skimp to save money.

Cheap car insurance in Salina is attainable both online and also from your neighborhood Salina agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not provide price quotes online and many times these regional carriers only sell through independent insurance agencies.

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