High-priced car insurance in Newton can diminish your accounts and force you to cut corners elsewhere.

A recent survey discovered that the vast majority of consumers have stayed with the same insurance company for well over three years, and just under half have never compared rate quotes at all. The average driver in Newton can save up to $810 each year just by getting comparison quotes, but they just assume it takes a lot of time to go online and compare rates.

Online insurance companies like Progressive, GEICO and Farmers Insurance persitently shower you with advertising and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Just keep in mind that comparing more prices will improve the odds of getting a lower rate.

The auto insurance companies shown below are ready to provide price comparisons in Newton, KS. If multiple providers are shown, we recommend you click on several of them to find the lowest auto insurance rates.

Insurance Price Estimates for Popular Vehicles in Newton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 4WD $936 $468 $78
Dodge Grand Caravan SE $836 $418 $70
Dodge Ram Quad Cab SLT 2WD $986 $493 $82
Ford Escape Limited 4WD $804 $402 $67
Ford Explorer Eddie Bauer 4WD $1,038 $519 $87
Ford F-150 Lariat King Ranch 4WD $1,122 $561 $94
Ford Focus SES 4-Dr Sedan $940 $470 $78
Ford Fusion Sport AWD 4-Dr Sedan $1,176 $588 $98
GMC Sierra SLT Crew Cab 4WD $1,000 $500 $83
Honda Accord LX-S 2-Dr Coupe $864 $432 $72
Honda CR-V LX 4WD $924 $462 $77
Honda Civic LX 4-Dr Sedan $878 $439 $73
Nissan Altima 2.5 S 2-Dr Coupe $1,164 $582 $97
Toyota Camry XLE $702 $351 $59
Toyota Corolla LE $922 $461 $77
Toyota RAV4 2WD $874 $437 $73
Toyota Tacoma X-Runner 2WD $800 $400 $67
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific zip code location which can influence premium rates greatly.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The rates below may help to illustrate the premium difference when you select higher and lower coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Sonata insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $246 $446 $324 $20 $96 $1,157 $96
Sonata GLS 4-Dr Sedan $246 $446 $324 $20 $96 $1,157 $96
Sonata GLS 4-Dr Sedan $246 $446 $324 $20 $96 $1,157 $96
Sonata SE 4-Dr Sedan $246 $524 $324 $20 $96 $1,235 $103
Sonata SE 4-Dr Sedan $246 $524 $324 $20 $96 $1,235 $103
Sonata Limited 4-Dr Sedan $278 $524 $324 $20 $96 $1,267 $106
Sonata Limited 4-Dr Sedan $278 $524 $324 $20 $96 $1,267 $106
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Hyundai Sonata insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $136 $234 $324 $20 $96 $810 $68
Sonata GLS 4-Dr Sedan $136 $234 $324 $20 $96 $810 $68
Sonata GLS 4-Dr Sedan $136 $234 $324 $20 $96 $810 $68
Sonata SE 4-Dr Sedan $136 $276 $324 $20 $96 $852 $71
Sonata SE 4-Dr Sedan $136 $276 $324 $20 $96 $852 $71
Sonata Limited 4-Dr Sedan $154 $276 $324 $20 $96 $870 $73
Sonata Limited 4-Dr Sedan $154 $276 $324 $20 $96 $870 $73
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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 homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in vehicle garaging location which can change auto insurance rates greatly.

We can estimate from the data above that using a $100 deductible will cost you roughly $31 more each month or $372 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 29 months between claim filings, you would probably save some money by going with a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): - $70
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One thing to note is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you file a claim. That will necessitate some savings in the bank in the event you have to pay the deductible for vehicle repair.

Full coverage rates compared to liability-only

The example below illustrates the difference between Nissan Sentra auto insurance costs with and without full coverage. The prices are based on no claims or driving violations, $250 deductibles, single male driver, and no additional discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying comprehensive and collision coverage

There is no set guideline to eliminate comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's say your Nissan Sentra replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for physical damage coverage, then you might consider buying liability only.

There are some conditions where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Three good reasons to insure your vehicle

Despite the high insurance cost in Newton, maintaining insurance serves an important purpose.

The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. The average driver in Kansas is currently overpaying as much as $800 each year so compare rates at every renewal to help ensure money is not being wasted.

Are you eligible for every discount?

Some insurers don't always list the entire discount list in an easy-to-find place, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy Newton car insurance online.Insurance discounts

One last thing about discounts, some credits don't apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So when the math indicates you could get a free insurance policy, you won't be that lucky.

To see providers with discount rates in Kansas, click this link.

Car insurance coverages 101

Having a good grasp of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you'll find typical coverages found on most car insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like funeral costs, rehabilitation expenses and nursing services. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Mitsubishi Lancer
Land Rover Range Rover Sport Dodge Charger
Tesla Model S Kia Forte
Audi A4 Allroad Nissan Versa
Chevrolet Silverado 3500 Hyundai Accent
Ford Expedition Nissan Sentra

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability

Liability coverage will cover damages or injuries you inflict on people or other property. It protects YOU against other people's claims, and doesn't cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/10 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property.

Liability can pay for things like legal defense fees, medical expenses, emergency aid, court costs and repair bills for other people's vehicles. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford. Kansas state minimum liability requirements are 25/50/10 but drivers should carry more liability than the minimum.

Car Insurance Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Dodge Charger
Audi A6 Kia Optima
Subaru Forester Kia Rio
Subaru Outback Hyndai Accent
Chevrolet Corvette Chrysler 200
Volvo XC60 Mitsubishi Mirage

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, damage from flooding and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Vehicle Make and Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bentley Continental GT
Chevy Silverado 2500 Porsche Panamera GTS
GMC Sierra 2500 Audi S7
Smart ForTwo Mercedes-Benz S Class
Chevy Spark Maserati Quattroporte
Infiniti QX50 BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision protection

Collision coverage covers damage to your vehicle caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It's also possible to raise the deductible to bring the cost down.

Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Audi RS7
Ford F-150 SuperCrew Ferrari 458
Ford F-250 SuperCab Bently Continental GT
GMC Canyon Maserati Granturismo
Mini Cooper Nissan GT-R
Jeep Wrangler Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as damage to your vehicle.

Since many Kansas drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

A conclusion for your car insurance search

While you're price shopping online, don't be tempted to buy poor coverage just to save money. Too many times, drivers have reduced liability coverage limits and found out when filing a claim they didn't have enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate, but don't skip important coverages to save money.

Cost effective car insurance is available both online and also from your neighborhood Newton agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide rate quotes online and these regional carriers work with independent agents.

We just covered quite a bit of information on how to find cheaper coverage online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on car insurance is with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

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