Searching for better insurance prices for your car in Kansas can be an all-consuming task, but you can follow our insurance buying tips to make it easier.
There is a right way and a wrong way to shop for insurance so we're going to tell you the absolute fastest way to get price quotes for your and find the best price possible.
A recent insurance study discovered that nearly 70% of consumers kept their coverage with the same insurance company for a minimum of four years, and almost 40% of drivers have never compared rates with other companies. The average driver in Kansas could save 55% every year just by shopping around, but they don't know the benefits if they moved their coverage to a different company.
It's a good habit to do price comparisons occasionally because insurance rates are usually higher with each renewal. Even if you got the best rate on insurance a couple years back other companies may now be cheaper. You can find a lot of information about insurance out there, but we're going to give you some great ideas on how to lower your insurance rates in Garden City.
Quoting and buying the cheapest insurance policy in Garden City can be fairly easy. If you already have coverage or just want cheaper coverage, take advantage of these tips to find the best rates and possibly find even better coverage. Comparison shoppers just have to know the most time-saving way to compare company rates from many companies at once.
The method we recommend to compare car insurance company rates is to know most of the bigger providers will pay a fee to compare their rates. The only thing you need to do is provide a small amount of information such as if you're married, if you require a SR-22, distance driven, and types of safety features. Your insurance information is then sent to insurance carriers in your area and they return rate quotes immediately.
To check car insurance prices now, click here and enter the information requested.
The companies shown below offer price quotes in Kansas. If multiple providers are shown, we suggest you get price quotes from several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu Hybrid||$1,018||$509||$85|
|Chevrolet Silverado LT Regular Cab||$810||$405||$68|
|Dodge Ram Crew Cab ST 2WD||$1,232||$616||$103|
|Ford Escape XLT 4WD||$858||$429||$72|
|Ford F-150 FX4 Super Cab 4WD||$778||$389||$65|
|Ford Focus S 4-Dr Sedan||$840||$420||$70|
|GMC Sierra SLE Regular Cab 4WD||$1,220||$610||$102|
|Honda Accord EX 2-Dr Coupe||$1,000||$500||$83|
|Honda CR-V EX-L 4WD||$750||$375||$63|
|Honda Civic GX 4-Dr Sedan||$1,268||$634||$106|
|Kia Optima EX||$1,120||$560||$93|
|Mazda 3 S Grand Touring 4-Dr Sedan||$930||$465||$78|
|Nissan Altima 2.5 4-Dr Sedan||$1,094||$547||$91|
|Nissan Rogue S 2WD||$1,028||$514||$86|
|Toyota Camry XLE||$800||$400||$67|
|Toyota Corolla LE||$922||$461||$77|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific garaging location which can decrease or increase premiums considerably.
Impact of age and gender on auto insurance rates
The information below shows the difference between insurance costs for male and female drivers in Garden City. The information is based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied on a Hyundai Sonata GLS.
Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Cost of full coverage
The diagram below illustrates the difference between Ford Fusion insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Kansas. The prices are based on no violations or accidents, $100 deductibles, married male driver, and no other discounts are factored in.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
Deciding between full coverage and liability only
There is no exact rule to eliminate full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.
For example, let's say your Ford Fusion replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after the deductible is paid. If you are paying more than $200 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Insurance can be complex
Always keep in mind that when comparing coverage online or from an agent, there really is not a "best" method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine whether you might need professional guidance.
- Is business equipment covered while in my vehicle?
- Is my nanny covered when transporting my kids?
- Am I better off with higher deductibles on my vehicle?
- When does my teenage driver need to be added to my policy?
- Is a blown tire covered by insurance?
- Should I carry comprehensive and collision coverage?
- Why do I have to buy liability insurance?
- Which companies will insure me after a DUI?
- Does my vehicle need full coverage?
If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It's fast, free and can provide invaluable advice.
Car insurance is available from local agents
A small number of people would rather go talk to an agent and often times that is recommended Good insurance agents will help you protect your assets and help submit paperwork. A good thing about comparing insurance prices online is that you can obtain lower premium rates but also keep your business local. And buying from local insurance agents is especially important in Garden City.
Upon completion of this short form, your coverage information is instantly submitted to companies in Garden City that provide free Garden City car insurance quotes and help you find cheaper coverage. You won't even need to do any legwork due to the fact that quote results will go directly to you. In the event you want to quote rates from a specific insurance company, you would need to jump over to their website and fill out their quote form.
If you are searching for a local insurance agency, it's important to understand the different types of agencies from which to choose. Car insurance agents can be categorized as either independent or exclusive. Both types of agents can insure your vehicles, but it's worth mentioning how they are different since it can impact buying decisions.
Independent Car Insurance Agencies
These type of agents do not work for one specific company and that allows them to write policies with an assortment of companies and find the cheapest car insurance rates. To move your coverage to a new company, they simply switch companies in-house and you can keep the same agent.
If you are trying to find cheaper rates, we highly recommend that you get some free quotes from multiple independent agents to ensure the widest selection of prices. Many write coverage with small mutual carriers that may have much lower rates than larger companies.
Exclusive Insurance Agencies
Agents in the exclusive channel normally can only provide a single company's rates such as Farmers Insurance or State Farm. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates. A lot of people buy insurance from these agents mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Finding a good auto insurance agent requires more thought than just the premium amount. These questions are important to ask:
- Do the agents have professional certifications like CPCU or CIC?
- Will they give you a referral list?
- What companies can they write with?
- Is insurance their full-time profession?
- Does the agency support the community they serve?
- Is coverage determined by price?