Are you tired of not being able to afford to keep your car insured? You have the same problem as millions of other people.

A recent car insurance study discovered that most Kansas car insurance customers kept their policy with the same company for more than four years, and almost 40% of drivers have never compared rates with other companies. Drivers in the U.S. could save up to 46.5% every year just by shopping around, but most just don't grasp the big savings they would realize if they changed companies. You have so many insurers to insure vehicles with, and even though it's nice to be able to choose, it can be more difficult to compare rates and cut insurance costs.

The best way we recommend to compare car insurance rates utilizes the fact car insurance companies pay for the opportunity to compare rate quotes. To start a quote, the only thing you need to do is give them rating details including coverage limits, driver ages, whether or not you need a SR-22, and types of safety features. Your information is instantly provided to many highly-rated insurers and they respond with quotes instantly.

To start a rate quote now, click here and enter the information requested.

The companies shown below offer price comparisons in Topeka, KS. If multiple providers are shown, we suggest you visit two to three different companies to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Topeka
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 LT Regular Cab 2WD $818 $409 $68
Dodge Ram Quad Cab Sport 2WD $1,016 $508 $85
Ford Escape XLS 4WD $760 $380 $63
Ford F-150 STX Super Cab 4WD $878 $439 $73
Ford Focus SE 2-Dr Coupe $944 $472 $79
GMC Sierra SLT Crew Cab 4WD $1,176 $588 $98
Honda Accord LX 4-Dr Sedan $1,038 $519 $87
Honda CR-V LX 2WD $626 $313 $52
Honda Civic LX 2-Dr Coupe $1,046 $523 $87
Hyundai Elantra SE 4-Dr Sedan $842 $421 $70
Jeep Grand Cherokee Laredo 2WD $842 $421 $70
Jeep Wrangler Sport 4WD 2-Dr $796 $398 $66
Kia Optima LX $966 $483 $81
Mazda 3 S Sport 4-Dr Sedan $962 $481 $80
Nissan Altima 2.5 S 2-Dr Coupe $848 $424 $71
Toyota Camry LE $856 $428 $71
Toyota Corolla XLE $798 $399 $67
Toyota Tacoma 2WD $840 $420 $70
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in vehicle location which can modify rates noticeably.

How careless driving impacts auto insurance rates

The chart below demonstrates how citations and at-fault collisions raise GMC Acadia insurance prices for different age groups of insureds. The price estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Physical damage deductibles

When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The following insurance rates outline how much more rates are between low and high comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

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

Toyota Corolla insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $246 $524 $286 $16 $86 $1,183 $99
Corolla S $246 $524 $286 $16 $86 $1,183 $99
Corolla XLE $246 $524 $286 $16 $86 $1,183 $99
Corolla XRS $278 $524 $286 $16 $86 $1,215 $101
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Toyota Corolla insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $136 $276 $286 $16 $86 $800 $67
Corolla S $136 $276 $286 $16 $86 $800 $67
Corolla XLE $136 $276 $286 $16 $86 $800 $67
Corolla XRS $154 $276 $286 $16 $86 $818 $68
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in specific garaging location which can lower or raise rates significantly.

We can derive from the above data that using a $100 deductible costs about $33 more each month or $396 annually than buying the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 27 months between claims, you would more than likely save some money if you choose a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $67
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important issue to know is that a higher deductible level results in more money out-of-pocket when you have to file a claim. You need some funds available in the event you need to pay the higher deductible in order to repair your vehicle.

You may qualify for discounts

Companies offering auto insurance do not list all available discounts very clearly, so the next list breaks down a few of the more common and also the lesser-known credits that may apply to you.Save money with discounts

You can save money using discounts, but many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies don't profit that way.

Some of the larger companies that may offer some of the discounts shown above are:

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Some credits may not apply to policies in Topeka. To see a list of car insurance companies with discount rates in Kansas, click here.

Insuring your vehicle just makes sense

Even though rates can get expensive, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of insuring your car greatly outweigh the cost, particularly if you ever have a claim. But the average American driver overpays more than $700 annually so compare rates at every policy renewal to make sure the price is not too high.

You may need specialized car insurance coverage

Keep in mind that when it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone's situation is a little different.Higher deductibles save money

For instance, these questions might point out whether your personal situation might need professional guidance.

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It's fast, free and can help protect your family.

Compare rate quotes but still have a local Topeka insurance agent

Many people would rather sit down with an agent and doing that can be a smart decision Good agents can help determine the best coverages and help submit paperwork. A good thing about price shopping on the web is you can get cheap rate quotes and still have a local agent. Buying from and supporting local agents is especially important in Topeka.

Topeka insurance agentsAfter completing this quick form, the quote information is sent to companies in Topeka who want to provide quotes for your insurance coverage. You don't have to find an agent on your own due to the fact that quote results will go directly to your email. In the event you want to quote rates from a specific insurance company, just jump over to their website to submit a rate quote request.

If you want to buy insurance from a good Topeka insurance agent, it's helpful to know the types of insurance agents and how they differ in how they can insure your vehicles. Agents can be categorized as either independent agents or exclusive agents. Both can provide insurance policies, but we need to point out how they are different because it can impact your agent selection.

Independent Agencies or Brokers

Agents in the independent channel often have affiliation with several companies and that allows them to write policies amongst many companies and find the cheapest insurance rates. If you want to switch companies, an independent agent can move your coverage and you stay with the same agent.

When shopping rates, you will want to include rate quotes from several independent agencies in order to compare the most rates.

Exclusive Insurance Agencies

Exclusive agents can only provide one company's prices like State Farm or Allstate. Exclusive agents cannot shop your coverage around so always compare other rates. They receive a lot of sales training in insurance sales which helps them sell on service rather than price.

Picking the best auto insurance agent shouldn't rely on just the price. You should also get answers to these questions.

Upon receiving positive feedback to any questions you have and an acceptable price quote, you have narrowed it down to an insurance agency that meets your needs to service your policy.