Locating cheaper insurance for your car in Kansas can be a painful process, but you can learn a few tricks and make it easy.
There are both good and bad ways to shop for insurance so you're going to learn the quickest way to quote coverages for a new or used and find the cheapest rates either online or from Great Bend insurance agents.
You should take the time to compare rates every six months since prices are variable and change quite frequently. Even if you got the best rates on insurance six months ago you may be paying too much now. There are a lot of ways to save on insurance on the web, but in this article, you're going to get some excellent ideas to buy insurance cheaper in Great Bend.
If you are already insured or need a new policy, you will benefit by learning to lower your rates and still get good coverage. Finding and buying affordable auto insurance in Great Bend is not as hard as you think. Vehicle owners just need to understand the best way to shop their coverage around on the web.
Many insurance companies allow you to get coverage price quotes directly from their websites. This process can be done by anyone as you just type in the coverage amounts you desire into the form. Upon sending the form, the quote system orders information on your driving record and credit history and returns a price based on the data you entered.
This streamlines rate comparisons, and it is important to have as many quotes as possible in order to get the best car insurance rates.
In order to compare rates now, check out the car insurance providers below. If you have a policy now, it's recommended you enter the coverage information as shown on your current policy. This helps ensure you're receiving rate comparison quotes using the same coverage and limits.
The companies shown below provide price quotes in Great Bend, KS. If more than one company is shown, we suggest you visit as many as you can in order to find the lowest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$1,220||$610||$102|
|Chevrolet Impala LTZ||$1,008||$504||$84|
|Chevrolet Silverado LS Regular Cab 2WD||$1,000||$500||$83|
|Dodge Ram Quad Cab Sport 2WD||$864||$432||$72|
|Ford Escape XLS 2WD||$838||$419||$70|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,038||$519||$87|
|Ford Focus S 4-Dr Sedan||$1,068||$534||$89|
|GMC Sierra SLE Extended Cab 4WD||$962||$481||$80|
|Honda Accord LX-S 2-Dr Coupe||$1,092||$546||$91|
|Honda CR-V EX 2WD||$798||$399||$67|
|Honda Civic LX 4-Dr Sedan||$780||$390||$65|
|Nissan Altima Hybrid 4-Dr Sedan||$1,100||$550||$92|
|Toyota Camry LE||$1,140||$570||$95|
|Toyota Corolla XRS||$1,084||$542||$90|
|Toyota Tacoma 2WD||$1,196||$598||$100|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in your specific Great Bend location which can increase or decrease coverage rates greatly.
How high should deductibles be?
The illustration below illustrates how your choice of deductibles and can increase or decrease Hyundai Elantra insurance costs for each different age group. The data is based on a single female driver, comp and collision included, and no discounts are applied.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Save a ton by taking advantage of discounts
Some companies do not advertise the entire discount list in a way that's easy to find, so the below list has some of the more common and also the more inconspicuous discounts you could be receiving when you buy Great Bend auto insurance online.
- Telematics Data - Insureds that choose to allow companies to look at where and when they drive by using a telematics device such as State Farm's In-Drive might get better premium rates if they have good driving habits.
- Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to participate in a local driver's education class as it will make them better drivers and lower rates.
- Life Insurance Discount - Not all insurance carriers offer life insurance, but some may give you a break if you buy life insurance from them.
- Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- One Accident Forgiven - Not necessarily a discount, but some insurance companies will forgive one accident without raising rates if your claims history is clear for a specific time period.
- Switch and Save Discount - Some insurance companies give discounts for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, nobody gets a free ride.
Car insurance companies that may offer policyholders these discounts possibly include:
Check with each company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your state. To find insurance companies that offer multiple discounts in Great Bend, follow this link.
Components of your auto insurance rates
Consumers need to have an understanding of some of the things that help determine your car insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that will entitle you to big savings.
The items below are some of the major factors used by your company to calculate your rate level.
Employer impacts rates - Jobs like military personnel, architects and accountants generally pay higher premium rates due to job stress and incredibly demanding work hours. Other occupations such as professors, historians and homemakers pay the least.
Rates can drop if you have more than one policy - The majority of insurers will award better rates to clients who buy several policies from them in the form of a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even though this discount sounds good, you still need to compare rates to guarantee you are still saving the most.
The more you drive the more you pay - The more you drive your car in a year the more you'll pay to insure your vehicle. The majority of insurers calculate rates based on how the vehicle is used. Vehicles that do not get driven very much receive better premium rates than vehicles that are driven to work every day. Make sure your car insurance policy is showing the right rating data.
Single drivers take more risk - Your spouse may earn you lower rates on car insurance. Having a significant other translates into being more mature and it's statistically proven that being married results in fewer claims.
Independent versus exclusive car insurance agents
Many people just prefer to sit down and talk to an agent and that is recommended in a lot of cases Licensed agents can point out coverage gaps and help file insurance claims. A good thing about comparing insurance prices online is the fact that you can find cheap auto insurance rates and still have an agent to talk to. Supporting local agents is especially important in Great Bend.
Upon completion of this simple form, your coverage information is sent to participating agents in Great Bend who will give you quotes to get your business. There is no need to contact any insurance agencies since price quotes are sent directly to you. If you wish to compare rates from one company in particular, you just need to find their quoting web page and submit a quote form there.
Types of auto insurance agents in Great Bend
When researching a reliable insurance agent, it can be helpful to understand the different types of agents and how they are slightly different. Auto insurance agencies may be either exclusive or independent. Either type can write auto insurance policies, but we need to point out why they differ because it can factor into the type of agent you choose.
Independent agents are not employed by any specific company and that is an advantage because they can write policies through lots of different companies and find you the best rates. To transfer your coverage to a different company, your agent can switch companies and you can keep the same agent. When searching for an agent, you need to get quotes from a couple of independent agencies in order to compare the most rates. Most also have access to less well-known companies who may have lower rates.
Agents that elect to be exclusive can only provide one company's prices and some examples include State Farm, Allstate, or Farmers Insurance. These agents are not able to compare other company's rates so they have no alternatives for high prices. Exclusive agencies are well schooled in insurance sales which can be an advantage. Consumers often choose to use an exclusive agent partially due to high brand loyalty rather than low rates.
Finding the right insurance agency requires more thought than just the quoted price. The following questions are important to ask.
- How often do they review coverages?
- What is their Better Business Bureau rating?
- How is replacement cost determined on your vehicle?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How much can you save by raising your physical damage deductibles?
- Is there any savings for paying the full premium?
- Do the coverages you're quoting properly cover your vehicle?
- Will the agent help in case of a claim?
Don't listen to company ads
Consumers in Kansas can't escape the ads for the lowest price auto insurance by State Farm and Allstate. All the companies seem to make the promise about how much you will save if you just switch your coverage.
How does every company make the same claim? Just pay attention to how they say it.
All companies require specific criteria for the type of driver that earns them the highest profit. One example of this type of driver may need to be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A driver that fits those parameters will get the preferred prices in Great Bend and have a good chance to cut their auto insurance rates if they switch.
Consumers who don't measure up to the requirements will be charged higher prices with the end result being the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone who quotes" will save that much if they switch. This is how insurance companies can confidently lure you into getting a quote.
This emphasizes why you really need to compare as many free Great Bend auto insurance quotes as you can. It is impossible to guess the company that will fit you best based on your risk profile.
In the end, you can save money
We've covered some good ideas how to find cheaper coverage online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost Great Bend auto insurance quotes. Consumers could even find that the best price on auto insurance is with a small local company.
As you shop your coverage around, make sure you don't skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped full coverage and discovered at claim time that the savings was not a smart move. The goal is to buy enough coverage at the best cost, but do not skimp to save money.
Cheaper auto insurance in Great Bend is definitely available online in addition to local insurance agencies, so you need to quote Great Bend auto insurance with both to have the best rate selection. Some insurance providers may not have online price quotes and many times these smaller companies only sell coverage through independent agents.
To learn more, link through to the articles below:
- Older Driver Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for Drivers with Bad Credit in Kansas? (FAQ)
- Who Has Cheap Kansas Car Insurance Quotes for Teenagers? (FAQ)
- How Much is Kansas Car Insurance for a Toyota Corolla? (FAQ)
- How Much are Auto Insurance Rates for Immigrants in Kansas? (FAQ)
- Who Has the Cheapest Car Insurance for a Chevrolet Cruze in Kansas? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)