Learn How to Cut Costs on Hays Car Insurance

I can’t think of a single person who enjoys paying for car insurance, especially when they are paying too much.

Insurance companies such as GEICO, 21st Century and Progressive persitently shower you with fancy advertisements and it is difficult to sift through the bull and find the best price available.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Finding the best rates in Hays is not that difficult. But Kansas vehicle owners can benefit by having an understanding of the way companies compete online and apply this information to your search.

How to Compare Car Insurance in Hays, Kansas

Performing a rate comparison can be exhausting if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day driving to insurance companies in Hays, or you can stay home and use online quoting to get prices fast.

Most of the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote based on the submitted data. This saves time by eliminating quotation requests to each individual car insurance company. To use this form to compare rates click to open in new window.

The single downside to using this type of system is that you can’t choose which insurance companies to get pricing from. If you prefer to choose specific insurance companies to compare, we have a listing of car insurance companies in Kansas. Click to view list.

Which method you use is up to you, but be sure to compare exactly the same coverage limits and deductibles for every quote you compare. If you are comparing differing limits it’s not possible to find the best deal in Hays. Slightly different coverage limits may result in large price differences. And when quoting car insurance, remember that getting more free quotes gives you a better chance of getting the best offered rates.

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance companies such as Progressive, Allstate and GEICO regularly use ads on TV and radio. They all seem to make an identical promise that you’ll save big if you move to their company. How does each company make almost identical claims?

All the different companies have a certain “appetite” for the driver that earns them a profit. An example of a preferred risk might be between 25 and 40, has no driving citations, and has excellent credit. A customer who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who fall outside the “perfect” profile must pay higher rates which leads to the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully state the savings. This illustrates why you need to get as many comparisons as possible. It’s impossible to know the company that will fit your personal profile best.

Discounts are basically free money

Companies that sell car insurance do not list every available discount very clearly, so we break down both well-publicized and the more hidden discounts you could be receiving.

• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Military Discounts – Having a deployed family member could mean lower rates.
• Air Bag Discount – Factory air bags can qualify for discounts of more than 20%.
• No Claims – Drivers who don’t have accidents can save substantially when compared to bad drivers.
• Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.

It’s important to understand that some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover if you would benefit from an agent’s advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Should I have combined single limit or split liability limits?
• What vehicles should carry emergency assistance coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is Kansas a no-fault state?
• What discounts do I qualify for?
• Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

More tips and info about car insurance is located at the Kansas Insurance Department website. Consumers can learn about insurance regulations, discover disciplinary actions, and get help finding coverage.

A little work can save a LOT of money

In this article, we presented a lot of techniques to get a better price on car insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the most savings is with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

Discount car insurance is possible both online and also from your neighborhood Hays agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and these smaller companies work with independent agents.