Follow These Ultimate Tips for Saving Money on Manhattan Auto Insurance

Have you fallen victim to an overpriced auto insurance policy? Trust us when we tell you there are many people just like you. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with TV and radio ads and it can be hard to sift through the bull and find the best price available.

It is always a good idea to check auto insurance prices yearly because insurance rates are usually higher with each renewal. If you had the best price six months ago you will most likely find a better rate today. So block out anything you think you know about auto insurance because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.

If you have a current auto insurance policy or are looking for a new policy, you can use this information to find better prices and possibly find even better coverage. Finding the best rates in Manhattan is quite easy. Kansas consumers just need to know the best way to find the lowest price online.

You have some control over your rates

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that could result in lower auto insurance prices.

• Better credit means lower rates – Credit rating is a big factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible than drivers with lower credit scores. If your credit history can use some improvement, you could be paying less to insure your by improving your rating.
• Traffic violations increase rates – Whether or not you get tickets has a big impact on rates. Drivers with clean records have lower premiums compared to drivers with tickets. Even a single ticket may increase your cost by twenty percent. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
• Where you reside plays a part – Living in less populated areas can save you money when talking about auto insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
• Claim-free discounts can add up – If you file claims often, you can definitely plan on higher rates. Auto insurance companies in Kansas generally give lower rates to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

Fast and Easy Manhattan Auto Insurance Quotes

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day talking about coverages with insurance companies in Manhattan, or you could save time and use the web to maximize your effort.

Many of the larger companies belong to a marketplace where insurance shoppers send in one quote, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing quote forms to each individual auto insurance company.

To participate in this free quote system, click here to start a free quote.

The one downside to pricing coverage this way is that consumers can’t choose which providers to get quotes from. So if you want to select individual companies to receive pricing from, we have a listing of the cheapest auto insurance companies in Kansas. Click here for list of insurance companies in Kansas.

It’s up to you which method you use, but be sure to compare identical coverages for each price quote. If you enter mixed coverages it’s not possible to find the best deal in Manhattan.

These discounts can slash auto insurance rates

Companies offering auto insurance don’t always list all available discounts very clearly, so we break down both well-publicized and also the lesser-known savings tricks you should be using. If you’re not getting every credit possible, you are paying more than you should be.

• Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance.
• Homeowners Discount – Being a homeowner can save you money because of the fact that having a home shows financial diligence.
• Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than less cautious drivers.
• College Student – Children living away from home attending college and do not have a car may qualify for this discount.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
• Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10%.
• Federal Employees – Active or retired federal employment can earn a discount up to 10% depending on your company.
• Defensive Driver – Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
• Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your policy.
• Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

What happened to insurance agents?

Certain consumers would prefer to buy from a licensed agent. Insurance agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing insurance prices online is you can get the best rates and still have an agent to talk to.

After filling out this form (opens in new window), the coverage information is submitted to participating agents in Manhattan who will return price quotes to get your business. You won’t need to even leave your home due to the fact that quote results will go directly to your email. How cool is that?!

Picking an insurance company should depend on more than just the price. These are valid questions to ask:

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• What insurance company do they write the most business with?
• How many years of experience in personal lines insurance coverages do they have?
• Will your rates increase after a single accident?
• Is the agent and/or agency licensed to do business in Kansas?
• Is the agency involved in supporting local community causes?
• Is working in the agency their full-time job?
• Are claims handled at the agent’s location?

Two types of insurance agencies

When finding local Manhattan agents, there are a couple of types of insurance agents that you can select. Insurance agencies in Manhattan are either captive or independent. Either one can do a good job, but it’s worth learning how they are different because it can influence your selection of an agent.

Captive Agents

These agents are contracted to one company such as AAA, State Farm, Farmers Insurance and Allstate. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Captive agents are trained well on their company’s products which helps them compete with independent agents.

Below are captive insurance agents in Manhattan who may provide you with comparison quotes.

Farmers Insurance Group – 2044 Tuttle Creek Blvd – Manhattan, KS 66502 – (785) 776-9382
Allstate Insurance – 527 Fort Riley Blvd – Manhattan, KS 66502 – (785) 537-4101
Shelter Insurance – 1917 Fort Riley Blvd – Manhattan, KS 66502 – (785) 776-7751
American Family – 1640 Fairchild Ave – Manhattan, KS 66502 – (785) 539-7755
Farm Bureau Insurance – 2630 Farm Bureau Rd – Manhattan, KS 66502 – (785) 537-0339
State Farm Insurance – 1115 Westport Dr # A – Manhattan, KS 66502 – (785) 537-1809

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When comparing rates, it’s a good idea to include multiple independent agents to ensure the widest selection of prices.

Below are independent agents in Manhattan willing to provide comparison quotes.

Gross Insurance – 105 S 4th St – Manhattan, KS 66502 – (785) 776-4709
Jim Feeney Agency Inc – 1601 Poyntz Ave – Manhattan, KS 66502 – (785) 776-4518
Federated Insurance Co – 524 Edgerton Ave – Manhattan, KS 66502 – (785) 537-1461
Tim Engle Agency Inc – 3320 Anderson Ave – Manhattan, KS 66503 – (785) 539-9200
Terry Voos Agency – 3250 Kimball Ave – Manhattan, KS 66503 – (785) 539-0546

To view a complete directory of Manhattan insurance agents, simply jump to this page.

Once you have answers to your satisfaction and a low price estimate, it’s possible that you found an insurance agent that will service your policy.

Situations that might require an agent

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions may help you determine if your situation might need professional guidance.

• Should I buy additional glass protection?
• How many claims can I have before being cancelled?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need special endorsements for business use of my vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

More tips and info about auto insurance is located at the Kansas Insurance Department website. Kansas consumers can report car insurance fraud, read enforcement actions against agents and companies, discover disciplinary actions, and download brochures.

Other useful links include BankRate.com’s Car Insurance: When not to Skimp and this page where you can also get Manhattan auto insurance quotes.

Cheaper insurance is a realistic goal

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.

Cost effective auto insurance is possible from both online companies as well as from independent agents in Manhattan, so you should compare both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.