Has it been a year or more since you last compared quotes for more affordable insurance rates in Junction City, KS? Did budget coverage turn out to be an expensive insurance policy? Don't feel bad because there are lots of people in the same boat.

Regrettably, the vast majority of insurance customers in Kansas kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never even compared quotes to find lower-cost rates. Drivers in the United States can save as much as $850 each year, but they just don't understand the big savings they would realize if they switch to a new company. Due to the fact that there are so many choices of insurance companies, it can be impossible to pick a lower cost insurance provider.

Lowering your auto insurance rates is a great way to save money. You just have to invest a few minutes getting comparison quotes online from several insurance companies.

Online shopping is fast and free, and it replaces the need to physically go to insurance agencies in your area. The ability to quote auto insurance online eliminates the need for an insurance agent unless your situation requires the personal advice only provided by licensed Junction City agents. However, consumers can find lower rates online but buy from a local Junction City insurance agent.

The following companies are ready to provide free rate quotes in Junction City, KS. If more than one company is shown, we recommend you click on several of them to get a more complete price comparison.

Insurance Rate Estimates for Popular Vehicles in Junction City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $856 $428 $71
Chevrolet Silverado LS Crew Cab 4WD $922 $461 $77
Dodge Ram Quad Cab Laramie 2WD $986 $493 $82
Ford Edge Limited AWD $1,310 $655 $109
Ford Escape XLS 4WD $1,038 $519 $87
Ford Explorer Limited 2WD $892 $446 $74
Ford F-150 Lariat Super Cab 2WD $1,016 $508 $85
Ford Focus S 4-Dr Sedan $736 $368 $61
Ford Fusion Sport 4-Dr Sedan $816 $408 $68
Honda Accord LX-P 4-Dr Sedan $664 $332 $55
Honda CR-V EX 2WD $858 $429 $72
Honda Civic SI 2-Dr Coupe $1,124 $562 $94
Honda Odyssey EX W/Rear Entertainment $820 $410 $68
Nissan Altima 3.5 SR 4-Dr Sedan $1,052 $526 $88
Toyota Camry SE $1,042 $521 $87
Toyota Corolla XLE $828 $414 $69
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific zip code location which can impact coverage prices greatly.

Does full coverage make sense?

The illustration below illustrates the difference between Toyota Camry insurance prices with full phyical damage coverage and with liability coverage only. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, married male driver, 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.

Guidelines for dropping full coverage

There is no definitive formula to eliminate full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Toyota Camry book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the deductible is paid. If you are paying over $200 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Insurance premiums for males and females

The information below shows the comparison of car insurance rates for male and female drivers in Junction City. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied on a Hyundai Elantra GLS.

Hyundai Elantra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Auto insurance does more than just repair your car

Even though it can be expensive, paying for auto insurance is mandatory in Kansas but it also protects more than you think.

The benefits of buying auto insurance greatly outweigh the cost, especially for larger claims. Today the average American driver overpays as much as $750 every year so it's very important to do a rate comparison each time the policy renews to save money.

Do you qualify for discounts on auto insurance?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Many of these discounts will be applied automatically when you complete an application, but some must be requested specifically before you will receive the discount.Cheaper auto insurance with discounts

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will definitely reduce your policy premiums.

If you would like to choose from a list of auto insurance companies who offer discounts in Junction City, follow this link.

Compare rate quotes but work with a neighborhood Junction City auto insurance agent

Many drivers would prefer to buy from a licensed agent and that is a smart decision Good insurance agents are highly skilled in risk management and will help you if you have claims. One of the benefits of comparing rates online is you may find cheaper prices and still buy from a local agent. And buying from local agencies is definitely important in Junction City.

Insurance agents in Junction CityFor easy comparison, once you complete this quick form, the quote information is emailed to companies in Junction City that give free quotes for your business. You don't have to find an agent on your own due to the fact that quote results will go straight to your inbox. If you need to get a comparison quote from a specific company, feel free to search and find their rate quote page and give them your coverage information.

Types of car insurance agents in Junction City

If you are wanting to purchase insurance from a local insurance agency, it's important to understand the different types of agents and how they work. Agencies in Junction City are classified as either exclusive agents or independent agents. Either type can write insurance policies, but it's important to know the subtle differences since it can impact which agent you choose.

Independent Insurance Agents

These agents do not have single company limitations and that is an advantage because they can write policies with multiple insurance companies and help determine which has the cheapest rates. If your premiums go up, they simply switch companies in-house and you can keep the same agent.

If you are trying to find cheaper rates, you will want to get quotes from a few independent agents in order to have the best price comparison.

Exclusive Agencies

Agents that choose to be exclusive write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are well schooled on their company's products and that can be a competitive advantage.

Picking an car insurance agent shouldn't rely on just a cheap price quote. The questions below may impact your decision as well.

Insurance coverage breakdown

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Collision insurance

Collision insurance pays for damage to your vehicle caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, hitting a parking meter, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Lowest and Highest Insurance Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford Edge Audi RS7
Ford F-250 SuperCab BMW 6 Series
Smart ForTwo Nissan GT-R
Jeep Wrangler Bently Continental GT
Chevrolet Colorado Maserati Ghibli
Ford F-150 SuperCrew Bentley Continental Flying Spur

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle's occupants as well as damage to your vehicle.

Due to the fact that many Kansas drivers only purchase the least amount of liability that is required (which is 25/50/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, vandalism and damage from getting keyed. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Vehicle Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Volvo V60 Maserati Quattroporte
Nissan Leaf Bentley Continental GTC
Nissan Xterra Mercedes-Benz S Class
Chevy Spark Bentley Continental GT
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical expense insurance

Med pay and PIP coverage kick in for bills like rehabilitation expenses, dental work, funeral costs and X-ray expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Medical Payment Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Sonic
Chevrolet Silverado 3500 Hyundai Accent
Ford F-350 SuperCrew Nissan Sentra
Ford Expedition Kia Forte
Chevrolet Silverado 2500 Dodge Charger
Ford F-250 SuperCrew Mitsubishi Mirage

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto liability insurance

This protects you from damage that occurs to other's property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn't cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/10 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, funeral expenses, repair bills for other people's vehicles, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as much as you can afford. Kansas requires drivers to carry at least 25/50/10 but you should consider buying more coverage.

Vehicle Models with the Lowest and Highest Liability Insurance Claims
Lowest Claims Highest Claims
Volvo XC60 Chevrolet Impala
Fiat 500 Chrysler 200
Subaru Outback Chevrolet Cruze
Audi A6 Mitsubishi Mirage
Subaru Forester Mitsubishi Lancer
Acura MDX Kia Rio

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Quote more to save more

Cost effective insurance is definitely available both online in addition to local insurance agencies, so get free Junction City car insurance quotes from both of them to have the best rate selection. Some insurance companies may not offer online price quotes and these small, regional companies work with independent agents.

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage only to find out they didn't have enough coverage. The goal is to buy a smart amount of coverage at an affordable rate, but don't skip important coverages to save money.

For more information, feel free to browse the articles below: