Do you want to learn to get low-cost auto insurance rates in Lawrence, KS? Locating cheaper insurance for your car in Kansas can turn out to be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to find auto insurance online so you're going to learn the proper way to quote coverages for a and find the cheapest rates either online or from Lawrence insurance agents.

If you are insured now or are shopping for new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Finding the best-priced car insurance in Lawrence is not as confusing as people think. Vehicle owners just need to know the most efficient way to compare rates from multiple carriers.

The cheapest Lawrence car insurance

All the larger car insurance companies provide prices for coverage on their websites. The process is quite easy as you just type in the amount of coverage you want into the form. Once entered, their quoting system obtains reports for credit and driving violations and provides a quote based on these and other factors.

This helps simplify price comparisons, and it's also necessary to get many rate quotes in order to find lower-cost rates.

In order to compare pricing, take a look at the companies shown below. If you have a policy now, it's recommended you replicate the limits and deductibles identical to your current policy. This guarantees you will have rate quotes for similar coverage.

The companies shown below are ready to provide comparison quotes in Lawrence, KS. If multiple companies are listed, it's a good idea that you get price quotes from several of them in order to find the most affordable rates.

Insurance Rate Estimates for Popular Vehicles in Lawrence
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $904 $452 $75
Chevrolet Impala LT $1,228 $614 $102
Chevrolet Silverado LTZ Extended Cab 4WD $930 $465 $78
Dodge Grand Caravan Hero $756 $378 $63
Dodge Ram Crew Cab SLT 2WD $984 $492 $82
Ford Escape Limited 4WD $714 $357 $60
Ford Explorer Limited 2WD $908 $454 $76
Ford F-150 Lariat Crew Cab Platinum 4WD $956 $478 $80
Ford Focus S 4-Dr Sedan $1,102 $551 $92
GMC Sierra SLE Crew Cab 2WD $868 $434 $72
Honda Accord LX 4-Dr Sedan $710 $355 $59
Honda CR-V EX 2WD $712 $356 $59
Honda Civic Hybrid 4-Dr Sedan $810 $405 $68
Nissan Altima 2.5 4-Dr Sedan $982 $491 $82
Nissan Rogue S AWD $846 $423 $71
Toyota Camry LE $788 $394 $66
Toyota Corolla XLE $1,078 $539 $90
Toyota Tacoma 2WD $824 $412 $69
Get Your Own Custom Quote Go

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific Lawrence garaging location which can influence prices greatly.

Can higher deductibles save money?

When shopping for car insurance, a common question is how low should you set your deductibles. The following insurance rates may help to illustrate the rate difference when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

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

Nissan Sentra insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $214 $446 $286 $16 $86 $1,073 $89
Sentra 2.0 S $214 $524 $286 $16 $86 $1,151 $96
Sentra 2.0 SR $214 $524 $286 $16 $86 $1,151 $96
Sentra 2.0 SL $246 $524 $286 $16 $86 $1,183 $99
Sentra SE-R $246 $524 $286 $16 $86 $1,183 $99
Sentra SE-R SPEC V $246 $604 $286 $16 $86 $1,263 $105
Get a Quote for Your Vehicle Go
Nissan Sentra insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $120 $234 $286 $16 $86 $742 $62
Sentra 2.0 S $120 $276 $286 $16 $86 $784 $65
Sentra 2.0 SR $120 $276 $286 $16 $86 $784 $65
Sentra 2.0 SL $136 $276 $286 $16 $86 $800 $67
Sentra SE-R $136 $276 $286 $16 $86 $800 $67
Sentra SE-R SPEC V $136 $318 $286 $16 $86 $842 $70
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, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific location which can influence insurance rates greatly.

Based on the above data, using a $100 deductible costs an average of $31 more each month or $372 for a full year than buying the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 29 months between claim filings, you would most likely save money if you choose a higher deductible.

You may qualify for discounts

Companies that sell car insurance do not list every discount very well, so we break down some of the best known in addition to some of the lesser obvious discounts that you may qualify for.Discount insurance

Discounts lower rates, but most credits do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. So even though you would think you can get free auto insurance, company stockholders wouldn't be very happy.

To find providers that offer some of these discounts in Lawrence, click this link.

How your Lawrence premiums are determined

Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving history, but other factors are more obscure like your vehicle usage or how financially stable you are.

Lower coverage deductibles cost more - Coverage for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if a claim is determined to be covered. The more of the claim you pay before a claim is paid (deductible), the less your insurance will be.

Premiums are impacted by vehicle performance - The make and model of the car or truck you are trying to find cheaper insurance for makes a big difference in your car insurance bill. The lowest performance passenger cars receive the most favorable rates, but that's not the only thing that factors into the final price.

Liability protection preserves assets - Liability coverage is the coverage that protects you when you are determined to be liable for physical damage or personal injury to other. Liability insurance provides legal defense to defend your case. This coverage is very inexpensive compared to comp and collision, so do not skimp.

Eliminate extra coverages - Insurance policies have a lot of additional coverages that you can buy if you don't pay attention. Coverage for things like rental car coverage, accidental death, and extra life insurance coverage are probably not needed. They may sound like good ideas when buying your policy, but if they're wasting money consider taking them off your policy.

Single drivers take more risk - Getting married may earn you lower rates when buying insurance. Marriage demonstrates that you tend to be more mature and insurance companies reward insureds because married couples file fewer claims.

Your age impacts your prices - Beginning drivers in Kansas are known to be careless and easily distracted when driving with friends therefore insurance rates are much higher. Having to add a youthful driver to your insurance policy can really hurt. Mature drivers tend to be more responsible, cause fewer claims and accidents, and usually have better credit.

Three reasons to not skimp on insurance

Even though rates can get expensive, insurance serves a purpose in several ways.

First, just about all states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance in order to get the vehicle licensed. 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 your vehicle has a loan, almost all lenders will force you to carry insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your vehicle for a much higher rate and require you to pay much more than you were paying before.

Third, insurance protects both your vehicle and your personal assets. Insurance will pay for hospital and medical expenses that are the result of an accident. Liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance outweigh the cost, especially with large liability claims. But the average driver in Kansas is currently overpaying as much as $800 each year so compare rate quotes every year to ensure rates are inline.

Claim statistics by make and model

Do you own a vehicle likely to have a claim? The following statistics show the best and worst vehicles for likelihood of having large claims for each type of coverage listed.

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
GMC Sierra 2500 Porsche Panamera GTS
Volvo V60 Bentley Continental GT
Nissan Xterra Maserati Quattroporte
Smart ForTwo Mercedes-Benz S Class
Chevy Spark BMW M6
Ford F-350 Maserati Granturismo

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Collision Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Jeep Wrangler Bentley Continental Flying Spur
Nissan Xterra Maserati Granturismo
GMC Canyon Bently Continental GT
Ford Edge Bently Continental GTC
Smart ForTwo Audi RS7
Ford F-250 SuperCab BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Medical Payment Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Kia Forte
Chevrolet Silverado 3500 Nissan Versa
Ford F-350 SuperCrew Mitsubishi Lancer
Land Rover Range Rover Sport Chrysler 200
Chevrolet Corvette Hyundai Accent
Audi A4 Allroad Nissan Sentra

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Car Insurance Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Kia Rio
Mercedes-Benz SL Class Mitsubishi Lancer
Subaru Outback Chevrolet Cruze
Volvo XC60 Mitsubishi Mirage
Audi A6 Kia Optima
Fiat 500 Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don't give up on affordable rates

Discount car insurance in Lawrence is possible from both online companies in addition to many Lawrence insurance agents, so get free Lawrence auto insurance quotes from both of them to get a complete price analysis. Some insurance companies do not provide price quotes online and most of the time these smaller providers only sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as policy non-renewal, being labeled a high risk driver, questionable increases in premium or even an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company is not as difficult as it may seem.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are many occasions where an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

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