Wish you could get a refund on overpriced auto insurance? Trust us, you're not the only one.
A recent survey discovered that the vast majority of consumers have remained with the same auto insurance company for at least the last four years, and nearly 40% of drivers have never even compared rates from other companies. With the average auto insurance premium being $1,847, American drivers can save as much as 47% each year by just comparing rate quotes, but they think it's difficult to compare rates and save money. Lots of car insurance companies contend for your business, so it's not easy to compare every insurer to find the absolute best rate on auto insurance.
If you have coverage now or are looking for a new policy, use these techniques to save money and still get good coverage. Finding the cheapest coverage in Leavenworth is actually not that difficult if you follow our advice. Consumers just have to know the quickest method to shop their coverage around using one simple form.
Do you qualify for discounts?
Companies do not list all available discounts very well, so we researched both well-publicized as well as the least known discounts you could be receiving when you buy Leavenworth auto insurance online.
- No Claims - Insureds who avoid accidents and claims can save substantially when compared with accident-prone drivers.
- First Accident Forgiveness - This one isn't a discount, but a few companies such as Liberty Mutual and GEICO will forgive one accident before raising your premiums if you have no claims for a particular time prior to the accident.
- Sign Early and Save - Some insurance companies provide a discount for buying a new policy early. It could save around 10% when you buy Leavenworth auto insurance online.
- Discounts for Cautious Drivers - Insureds without accidents may save up to 50% more compared to accident prone drivers.
- Own a Home and Save - Simply owning a home can save a few bucks because it requires personal responsibility.
- Include Life Insurance and Save - Insurance companies who offer life insurance give a break if you buy some life insurance too.
- Seat Belt Usage - Buckling up and requiring all passengers to use their safety belts can save a little off the PIP or medical payment premium.
- Multiple Policy Discount - When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of at least 10% off all policies.
It's important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you could get a free insurance policy, it doesn't quite work that way.
Insurance companies that have these benefits possibly include:
If you need inexpensive Leavenworth auto insurance quotes, ask every company which discounts can lower your rates. Some discounts may not apply to policies everywhere. To find insurance companies that offer some of these discounts in Kansas, click this link.
Finding low cost auto insurance rates is a great way to save money. All you need to do is take time to get quotes provided by online insurance companies.
Getting free rate quotes online is quite simple, and it replaces the need to drive to local insurance agencies. Quoting and buying auto insurance online eliminates the need for an insurance agent unless you prefer the professional abilities that you can only get from talking to an agent. Drivers can get prices online but have a local Leavenworth agent actually write the policy.
The following companies can provide price comparisons in Kansas. If more than one company is shown, it's a good idea that you click on several of them to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 4WD||$680||$340||$57|
|Chevrolet Impala LS||$940||$470||$78|
|Chevrolet Silverado LTZ Extended Cab 2WD||$964||$482||$80|
|Dodge Ram Crew Cab SLT 4WD||$1,132||$566||$94|
|Ford Edge SE 2WD||$700||$350||$58|
|Ford Escape XLS 4WD||$640||$320||$53|
|Ford F-150 SVT Raptor Super Cab 4WD||$862||$431||$72|
|Ford Focus SE 2-Dr Coupe||$1,082||$541||$90|
|GMC Sierra SLE Crew Cab 4WD||$1,096||$548||$91|
|Honda Accord LX-P 4-Dr Sedan||$940||$470||$78|
|Honda CR-V LX 4WD||$824||$412||$69|
|Honda Civic Hybrid 4-Dr Sedan||$1,186||$593||$99|
|Honda Odyssey EX-L W/Navigation||$960||$480||$80|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$854||$427||$71|
|Nissan Altima 2.5 S 2-Dr Coupe||$984||$492||$82|
|Toyota Camry Hybrid||$914||$457||$76|
|Toyota Corolla S||$1,160||$580||$97|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in Leavenworth location which can modify price quotes greatly.
Safe drivers pay less for auto insurance
The example below illustrates how violations and at-fault fender-benders influence Chevrolet Malibu auto insurance rates for different age groups. The rate quotes are based on a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.
Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.
Where to set your deductibles
One frequently asked question is what deductibles to buy. The premium rates below help summarize how much more you'll pay between high and low physical damage coverage deductibles. The first rate quote example uses a $250 deductible and the second price grid uses a $1,000 deductible.
Nissan Sentra 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|
|Sentra 2.0 S||$192||$440||$286||$16||$86||$1,045||$87|
|Sentra 2.0 SR||$192||$440||$286||$16||$86||$1,045||$87|
|Sentra 2.0 SL||$222||$440||$286||$16||$86||$1,075||$90|
|Sentra SE-R SPEC V||$222||$506||$286||$16||$86||$1,141||$95|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|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 SPEC V||$136||$318||$286||$16||$86||$842||$70|
|Get a Quote for Your Vehicle Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in Leavenworth which can influence premium rates significantly.
Based on the data above, we can derive that using a $250 deductible will cost you approximately $22 more each month or $264 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 34 months between claims, you would save money if you choose the higher deductible.
Difference between liability only and full coverage rates
The diagram below illustrates the difference between Ford Fusion insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Kansas. The data is based on no accidents or driving violations, $500 deductibles, single female driver, and no discounts are taken into consideration.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
Guidelines for eliminating full coverage
There is no exact formula to exclude comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's pretend your Ford Fusion book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying your policy deductible. If premium cost is more than $400 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
You are unique and your auto insurance should be too
When it comes to choosing coverage online or from an agent for your vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For example, these questions can aid in determining whether or not you would benefit from professional advice.
- Do I have coverage when using my vehicle for my home business?
- Does my policy cover me when driving someone else's vehicle?
- What discounts do I qualify for?
- Where can I find high-risk insurance?
- Does my insurance cover my expensive audio equipment?
- Can I afford low physical damage deductibles?
- If I use my vehicle for business use is it covered?
- Should I have combined single limit or split liability limits?
- Is business property covered if stolen from my car?
- Do they offer discounts for home and auto coverage?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.
Exclusive or independent insurance agents
Certain consumers still prefer to get advice from a local agent and that is a smart decision Good insurance agents can help you build your policy and help you file claims. A nice benefit of getting free rate quotes online is you can get lower prices and also buy local. And buying from neighborhood agents is definitely important in Leavenworth.
For easy comparison, once you complete this form (opens in new window), your insurance data is emailed to participating agents in Leavenworth who will give you quotes for your business. You don't have to contact an agency due to the fact that quote results will go instantly to you. If for some reason you want to get a rate quote from a specific auto insurance provider, feel free to jump over to their website to submit a rate quote request.
Pick the best car insurance agent in Leavenworth for you
When looking for a local insurance agency, it's important to understand the types of insurance agents that differ in how they can insure your vehicles. Auto insurance agents can be described as either exclusive or independent. Either one can handle auto insurance, but it is important to understand the subtle differences because it can impact your agent selection.
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company so as a result can place your coverage with a variety of different insurance companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage and you stay with the same agent.
If you are comparing rate quotes, we recommend you get some free quotes from multiple independent agents to ensure the widest selection of prices.
Exclusive agencies have only one company to place business with and some examples include Farmers Insurance and State Farm. These agents are unable to provide other company's prices so you might not find the best rates. Exclusive agents are well schooled on what they offer which helps them sell on service rather than price.
Picking an car insurance agent requires more thought than just the price. Any agent in Leavenworth should be forthright in answering these questions:
- Are they full-time agents?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If you have an accident, will your rates go up?
- Is the agency active in community causes in Leavenworth?
- What insurance companies do they recommend if they are an independent agent?
- Can they provide you with a list of referrals?
Cheaper insurance is out there
As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits only to regret at claim time they didn't have enough coverage. The goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.
We covered a lot of techniques to reduce insurance car insurance rates online in Leavenworth. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting affordable Leavenworth auto insurance quotes. Drivers may even discover the lowest car insurance rates come from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.
To learn more, feel free to visit the following helpful articles:
- Auto Insurance Learning Center (State Farm)
- Who Has Cheap Auto Insurance for Low Income Drivers in Kansas? (FAQ)
- What Auto Insurance is Cheapest for Uninsured Drivers in Kansas? (FAQ)
- Teen Driving Statistics (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Rental Car Insurance Tips (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)