Things You Must Know Before Buying Liberal, KS Car Insurance Online

I can’t think of anyone who enjoys paying for car insurance, especially knowing the cost is too high. Numerous auto insurance companies battle to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the lowest cost out there.

If you have a current car insurance policy or are looking for a new policy, you can use these tips to get lower rates while maximizing coverage. Finding the best rates in Liberal is easy if you know what you’re doing. Kansas drivers just need to understand the most effective way to find the lowest price online.

These discounts can slash car insurance rates

Car insurance companies don’t always advertise every available discount very clearly, so we break down some of the best known and the more hidden ways to save on car insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
• Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
• Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiration. The savings is around 10%.
• Federal Government Employee – Active or retired federal employment could cut as much as 10% off depending on your company.
• Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
• Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.

Compare the Market for Car Insurance in Liberal, Kansas

Getting better car insurance pricing can be quick and easy. You just need to invest a little time to compare rate quotes online with multiple companies. This is very easy and can be done in several different ways.

1. The best way to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form eliminates the need for repetitive form entry to each individual car insurance company. Filling out one form gets you price quotes .
2. A less efficient way to shop for car insurance online is to take the time to go to each company’s website and complete a new quote form. For instance, let’s say you want rates from Allstate, State Farm and GMAC. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.

   For a handy list of car insurance company links in Liberal, click here.

Whichever method you choose, be sure to compare apples-to-apples coverages on every quote. If the quotes have differing limits you will not be able to make a fair comparison in Liberal.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating car insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to lower car insurance prices.

• Don’t buy coverages you don’t need – There are quite a few extra bells and whistles you can purchase on your policy. Coverages like personal injury protection, better glass coverage and term life insurance may be costing you every month. These coverages may sound good at first, but if they’re wasting money get rid of them and save.
• Men fork out a little more – Statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. They both cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
• Keep rates low by being claim-free – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Companies in Kansas provide lower rates to policyholders who do not file claims often. Auto insurance is intended for larger claims.
• Discounts for married couples – Having a spouse can actually save you money when buying car insurance. Marriage usually means you are more responsible and it’s statistically proven that married couples file fewer claims.

When might I need the advice of an agent?

When it comes to choosing coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

• Does my insurance cover my expensive audio equipment?
• Does my insurance cover a custom paint job?
• Do I need special endorsements for business use of my vehicle?
• When would I need additional glass coverage?
• Is Kansas a no-fault state?
• When should my teen driver be added to my policy?
• What are Kansas no-fault laws?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Should I buy more coverage than the required Kansas minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Is there deception in advertising?

Consumers can’t get away from ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all say the same thing about savings after switching to their company.

How can each company make the same claim?

All companies can use profiling for the right customer that makes them money. For example, a preferred risk might be between 25 and 40, has no prior claims, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t meet the requirements will be quoted higher premiums and ends up with business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. That’s why insurance companies can confidently make those claims. This emphasizes why drivers should get quotes from several different companies. It is impossible to predict which company will provide you with the cheapest rates.

A tidy conclusion

In this article, we presented many ways to save on car insurance. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Discount car insurance can be sourced both online in addition to many Liberal insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There are many occasions where drivers have reduced liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

More tips and info about car insurance can be read at the Kansas Insurance Department website. Visitors are able to file complaints about a company, read industry bulletins, download brochures, and view a list of available companies.