How long has it been since you sat down and looked for more competitive insurance rates in Dodge City, KS? Dodge City consumers have a choice when looking for affordable car insurance. They can either spend hours calling around to compare prices or use the internet to make rate comparisons.

There are both good and bad ways to shop for insurance so you're going to learn the proper way to get price quotes for a new or used and find the lowest price either online or from Dodge City insurance agents.

Amazingly, a recent NerdWallet.com study showed that a large majority of drivers kept buying from the same company for well over three years, and nearly 40% of drivers have never taken the time to shop around. Most drivers in Kansas could pocket $809 a year just by comparing rates, but they feel it's too difficult to find cheap rates by getting comparison quotes.

Smart consumers take time to get comparison quotes quite often because insurance prices change frequently. Even if you think you had the best price on insurance six months ago you will most likely find a better rate quote today. You'll find a ton of advice on insurance online but you can learn some solid techniques on how to lower your insurance premiums.

If you're already insured or are shopping for new coverage, you can learn to find the best rates without reducing protection. This article's goal is to teach you how car insurance works and also pocket some savings Vehicle owners just need to understand how to compare insurance rates over the internet.

Getting a low cost price on insurance isn't really that difficult. The only thing you need to do is take the time comparing price quotes to discover which company has affordable Dodge City auto insurance quotes.

The following companies can provide price quotes in Kansas. If the list has multiple companies, we recommend you get rates from several of them to get a more complete price comparison.

Insurance Rate Estimates for Popular Vehicles in Dodge City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 2WD $998 $499 $83
Dodge Grand Caravan SE $716 $358 $60
Dodge Ram Crew Cab Sport 4WD $1,112 $556 $93
Ford Edge SE AWD $972 $486 $81
Ford Escape Limited 4WD $624 $312 $52
Ford Explorer Eddie Bauer 2WD $1,028 $514 $86
Ford F-150 FX4 4WD $988 $494 $82
Ford Focus SES 2-Dr Coupe $852 $426 $71
Ford Fusion SEL AWD 4-Dr Sedan $1,346 $673 $112
Honda Accord EX 2-Dr Coupe $852 $426 $71
Honda CR-V EX 2WD $828 $414 $69
Honda Civic DX 4-Dr Sedan $726 $363 $61
Nissan Altima 2.5 S 2-Dr Coupe $1,162 $581 $97
Nissan Rogue S AWD $810 $405 $68
Toyota Camry XLE $800 $400 $67
Toyota Corolla LE $842 $421 $70
Toyota Tacoma 4WD $804 $402 $67
Volkswagen Jetta S 2.5 Station Wagon $680 $340 $57
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in your specific Dodge City location which can influence coverage prices considerably.

Physical damage deductibles

The diagram below illustrates how choosing a deductible and can influence Toyota Camry annual premium costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Impact of violations and accidents on rates

The diagram below demonstrates how speeding tickets and at-fault fender-benders influence Ford Fusion car insurance rates for each different age group. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Physical damage deductible comparison

The hardest decision when buying coverage is which deductible level should you buy. The comparisons below may help you to understand the rate fluctuation of buying low and high physical damage deductibles. The first rate estimation uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $222 $440 $286 $16 $86 $1,075 $90
Corolla S $222 $440 $286 $16 $86 $1,075 $90
Corolla XLE $222 $440 $286 $16 $86 $1,075 $90
Corolla XRS $250 $440 $286 $16 $86 $1,103 $92
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Toyota Corolla insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $180 $354 $286 $16 $86 $922 $77
Corolla S $180 $354 $286 $16 $86 $922 $77
Corolla XLE $180 $354 $286 $16 $86 $922 $77
Corolla XRS $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, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific location which can modify auto insurance rates substantially.

Based on the above data, using a $250 deductible could cost the average driver approximately $13 more each month or $156 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 19 months between claims, you would probably save some money by selecting a higher deductible.

Three reasons to insure your vehicle

Despite the high cost, insuring your vehicle may not be optional for several reasons.

First, just about all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability if you drive a vehicle. 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 loan on your car, most banks will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your vehicle for a much higher rate and require you to pay for the expensive policy.

Third, auto insurance preserves your car and your assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of having insurance more than offset the price you pay, especially with large liability claims. But the average American driver is currently overpaying as much as $820 a year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Cheaper rates by taking advantage of discounts

The price of auto insurance can be rather high, but you may find discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but less common discounts must be specifically requested prior to getting the savings.Save money with discounts

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, it doesn't quite work that way. Any amount of discount will help reduce your overall premium however.

A few of the larger companies and some of the premium reductions they offer are detailed below.

If you need low cost Dodge City auto insurance quotes, ask each company or agent how many discounts you can get. Some of the earlier mentioned discounts might not apply in Dodge City.

Insurance savings summarized

People change insurance companies for many reasons like high prices, questionable increases in premium, delays in paying claims or even an unsatisfactory settlement offer. It doesn't matter what your reason, switching insurance companies is actually quite simple.

We just covered some good ideas how you can shop for insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest priced insurance comes from a small local company.

Cheaper insurance in Dodge City is definitely available both online as well as from independent agents in Dodge City, so get free Dodge City auto insurance quotes from both of them to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and usually these regional carriers work with independent agencies.

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