Would you like to buy low-cost auto insurance rates in Gardner, KS? Do you think you bought an overpriced auto insurance policy? Don't feel bad because there are many people just like you.

Unimaginable but true, nearly 70% of drivers have stayed with the same insurance company for well over three years, and about 40% of consumers have never compared rate quotes at all. Most drivers in Gardner could save themselves nearly 55% a year by just shopping around, but most just don't grasp how much savings they would realize if they bought a different policy. Due to the fact that there are so many companies and agents to choose from, it can be challenging to locate a lower cost insurer.

Locating the most cost-effective auto insurance policy in Gardner is actually not that difficult if you follow our advice. If you have a policy now, you will surely be able to save money using the ideas covered in this article. Smart shoppers only have to learn the most effective way to compare rates using one simple form.

Best companies for Kansas car insurance

The car insurance companies shown below are ready to provide price comparisons in Kansas. If more than one company is shown, we suggest you visit as many as you can to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Gardner
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $624 $312 $52
Chevrolet Silverado LS Crew Cab 4WD $796 $398 $66
Dodge Grand Caravan Crew $678 $339 $57
Dodge Ram Quad Cab SLT 4WD $1,104 $552 $92
Ford Edge Sport AWD $918 $459 $77
Ford Escape XLS 2WD $712 $356 $59
Ford F-150 Lariat Crew Cab Platinum 4WD $812 $406 $68
Ford Focus SEL 4-Dr Sedan $940 $470 $78
GMC Sierra SLT Crew Cab 4WD $916 $458 $76
Honda Accord LX-P 4-Dr Sedan $760 $380 $63
Honda CR-V EX 4WD $1,070 $535 $89
Honda Civic DX 2-Dr Coupe $968 $484 $81
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,024 $512 $85
Kia Optima EX $998 $499 $83
Nissan Altima 2.5 4-Dr Sedan $678 $339 $57
Toyota Camry LE $760 $380 $63
Toyota Corolla S $960 $480 $80
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific Gardner garaging location which can increase or decrease premium rates significantly.

Can higher deductibles save money?

The information below illustrates how your deductible choice and can influence Ford Escape insurance costs for different age categories. The information is based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Determine discounts to get cheap Gardner car insurance rates

Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. A few discounts will be applied when you get a quote, but a few need to be inquired about before being credited.Cheaper car insurance with discounts

While discounts sound great, it's important to understand that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, companies wouldn't make money that way.

Companies and some of the premium reductions they offer include:

It's a good idea to ask each insurance company to apply every possible discount. Some credits may not be available in Gardner. To locate providers that offer discounts in Gardner, click this link.

The car insurance bait and switch

Consumers can't escape the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. All the ads try to convey promises that you'll save big just by switching your coverage.

That's great but how can every company say the same thing? This is how they do it.

Many companies have specific characteristics for the type of insured that makes them money. For example, a desirable risk should be between 25 and 40, has other policies, and drives a safe vehicle. A driver that hits that "sweet spot" is entitled to the best price and will also pay quite a bit less when switching companies.

People who are not a match for these criteria will see higher prices and this results in the customer buying from someone else. The trick companies use is to say "people who switch" not "everybody who quotes" save money. That's why companies can claim big savings. Different companies use different criteria so drivers should get as many free Gardner car insurance quotes as possible. You cannot predict with any certainty which company will have the lowest rate quotes.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by auto insurance companies.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, vandalism, falling objects and hail damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your vehicle caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to choose a higher deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/10 in Kansas), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, doctor visits, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability

This provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn't cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/10 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, repair bills for other people's vehicles, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as large an amount as possible. Kansas requires drivers to carry at least 25/50/10 but drivers should carry better liability coverage.

Auto insurance claims by make and model

Are you driving a statistically high-claim vehicle? The statistics below show the highest and lowest vehicle makes and models for likelihood of having claims for each type of coverage.

Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Bentley Continental GTC
Chevy Spark Audi S7
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo BMW M6
Ford F-350 Mercedes-Benz S Class
Volvo V60 Maserati Granturismo

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

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bently Continental GTC
Ford Edge Maserati Granturismo
GMC Canyon Ferrari 458
Smart ForTwo BMW 6 Series
Ford F-250 SuperCab Nissan GT-R
Ford F-150 SuperCrew BMW M6

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Chrysler 200
Audi A4 Allroad Nissan Sentra
Ford Expedition Chevrolet Spark
Tesla Model S Chevrolet Sonic
Chevrolet Silverado 3500 Dodge Charger
Land Rover Range Rover Sport Kia Forte

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

Liability Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Dodge Charger
Subaru Forester Chrysler 200
Fiat 500 Hyndai Accent
Subaru Outback Kia Optima
Audi A6 Mitsubishi Lancer
Chevrolet Corvette Mitsubishi Mirage

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

Don't give up on cheaper rates

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford and still be able to protect your assets.

Low-cost car insurance in Gardner can be found on the web in addition to many Gardner insurance agents, so you should compare both to have the best rate selection. Some insurance providers may not have rate quotes online and usually these smaller companies work with independent agencies.

We've covered a lot of information how to reduce car insurance rates online in Gardner. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest Gardner car insurance quotes. You may even discover the lowest priced car insurance comes from an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

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