Lowest Car Insurance Exclusively for Garden City Kansas Residents

Price shopping your Garden City car insurance can be a challenge for people who are new to comparison shopping online. Drivers have so many companies to choose from that it can quickly become a challenge to locate the lowest price in Garden City.

How to Lower Your Car Insurance Cost in Garden City, Kansas

Most major insurance companies give pricing on the web. The process doesn’t take much effort as you just type in as detailed in the form. After you complete the form, the company’s rating system will obtain your driving record and credit report and returns a price quote based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but the work required to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes in order to get the best price possible.

The better way to compare rates

The easiest way to find better car insurance pricing is to use a quote form that obtains quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes quoting online much easier to do. As soon as the form is sent, it is quoted and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you can click and sign and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you complete the form with the insurance coverages exactly as they are listed on your policy. This helps ensure you will receive an apples-to-apples comparison for similar insurance coverage.

Are you getting all your discounts?

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some must be specifically requested before you get the savings.

• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
• Good Student – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Own a Home – Owning a house in Garden City can save you money due to the fact that maintaining a home is proof that your finances are in order.
• Defensive Driver – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
• Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
• Senior Citizens – Older drivers may qualify for a small decrease in premiums.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut the amount you have to pay.

For a list of companies offering car insurance discounts in Garden City, click this link.

When might I need an agent?

When it comes to choosing coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

• Should I file a claim if it’s only slightly more than my deductible?
• Is my vehicle covered for smoke damage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is pleasure use cheaper than using my vehicle to commute?
• Exactly who is provided coverage by my policy?
• Am I covered when driving on a suspended license?
• Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Many Things Influence your Rates

Smart consumers have a good feel for the factors that help determine the price you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that may reward you with big savings.

• Your credit rating is important – A driver’s credit score is a large factor in calculating your car insurance rates. If your credit is lower than you’d like, you could potentially save money when insuring your by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
• Extra coverages can waste money – There are a ton of extra coverages you can purchase if you aren’t careful. Insurance for rental car reimbursement, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
• Keep rates low by being claim-free – Insurance companies in Kansas provide better rates to people who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• Being married is a good thing – Having a wife or husband can actually save you money on your policy. Having a significant other is viewed as being more mature and responsible and statistics show being married results in fewer claims.

Car insurance myths debunked

Companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads make the same claim of big savings after switching your policy. How do they all make almost identical claims? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a desirable insured might be profiled as between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the savings.

Because of the profiling, you should quote coverage with many companies. You cannot predict which insurance companies will fit your personal profile best.

In the end, you save

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits only to find out that it was a big error on their part. The ultimate goal is to buy enough coverage at an affordable rate.

Budget-conscious car insurance is possible on the web as well as from independent agents in Garden City, so compare prices from both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, poor customer service, policy cancellation and high rates after DUI convictions. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.

Kansas insurance information

Additional information is available on the Kansas Insurance Department website through this link. Visitors are able to view a list of available companies, learn about insurance regulations, and read enforcement actions against agents and companies.

Also read more on these car insurance answers and this list of agents in Garden City, KS.