Feeling guilty for buying an expensive auto insurance policy? It's quite common and there are many Hays consumers feeling the pinch from expensive auto insurance.

A recent auto insurance study discovered that most consumers have been with the same company for more than four years, and nearly half have never compared rates from other carriers. Hays drivers can save up to 55% each year, but most undervalue how much they could save if they switched to a more affordable policy. There are many car insurance companies to pick from, and though it is a good thing to have a choice, so many choices can make it hard to find the best rates.

We hope to let you in on the most effective way to quote insurance and some tricks to saving. If you have insurance now, you will definitely be able to lower your rates using the tips covered below. Drivers just need to understand the fastest way to compare different rates from multiple carriers.

Companies offering affordable rates in Hays, KS

The companies in the list below can provide price quotes in Kansas. If the list has multiple companies, it's highly recommended you visit several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Hays
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $758 $379 $63
Chevrolet Silverado LS Extended Cab 2WD $968 $484 $81
Dodge Ram Crew Cab Sport 4WD $888 $444 $74
Ford Edge SEL AWD $664 $332 $55
Ford Escape XLS 2WD $674 $337 $56
Ford F-150 STX Regular Cab 2WD $782 $391 $65
Ford Focus SES 4-Dr Sedan $784 $392 $65
GMC Sierra SLE Regular Cab 2WD $760 $380 $63
Honda Accord LX 4-Dr Sedan $734 $367 $61
Honda CR-V EX 2WD $958 $479 $80
Honda Civic DX 2-Dr Coupe $882 $441 $74
Hyundai Elantra SE Touring Station Wagon $1,044 $522 $87
Nissan Altima 3.5 SR 2-Dr Coupe $910 $455 $76
Toyota Camry LE $1,014 $507 $85
Toyota Corolla XRS $1,036 $518 $86
Toyota RAV4 Limited 4WD $856 $428 $71
Toyota Tacoma Double Cab 4WD $754 $377 $63
Volkswagen Jetta S 2.5 Station Wagon $822 $411 $69
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in vehicle location which can alter premium rates substantially.

Higher deductibles save money

The example below highlights how deductible choice and can impact Ford Escape insurance premiums for each age group. The information is based on a single male driver, full physical damage coverage, and no discounts are applied.

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

Discounts mean cheaper rates

Insurance is easily one of your largest bills, but you might already qualify for some discounts that you may not know about. Certain reductions will be credited when you purchase, but some discounts are required to be asked for before you get the savings.Save money with discounts

You can save money using discounts, but some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, you're out of luck.

To see a list of insurance companies who offer discounts in Hays, click this link.

Make smart decisions and save money

Multiple criteria are considered when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are less apparent such as your credit history or your vehicle rating.

The itemized list below are a few of the "ingredients" that factor into your rate level.

When to contact an insurance agency

Many drivers still like to buy from a licensed agent and often times that is recommended Agents can make sure you are properly covered and help submit paperwork. An additional benefit of comparing insurance prices online is that you can find lower rates but also keep your business local. Buying from small agencies is especially important in Hays.

Insurance agents in HaysTo help locate an agent, after submitting this simple form, your insurance data is emailed to insurance agents in Hays who want to provide quotes for your business. You don't have to leave your computer since rate quotes are delivered straight to your inbox. If you wish to compare rates from a specific company, feel free to find their quoting web page and complete a quote there.

Independent or Exclusive: It's your choice

If you want a reputable agency, there are two types of insurance agents and how they can write your policy. Hays agents are considered either exclusive or independent (non-exclusive). Either one can sell and service insurance coverage, but we need to point out the difference between them since it can affect buying decisions.

Independent Agents

These type of agents often have affiliation with several companies so they can write business through many companies and get you the best rates possible. If your premiums go up, an independent agent can move your coverage and the insured can keep the same agent.

When searching for an agent, you should always include independent agents to get the most accurate price comparison.

Exclusive Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company such as Allstate and State Farm. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Picking a insurance agency requires more thought than just the price. Get answers to these questions too.

Save 15 percent in 15 minutes? Is it for real?

Kansas consumers get pounded daily by advertisements for the lowest price insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save just by switching your insurance policy to them.

How does every company charge you less for car insurance? Just pay attention to how they say it.

All companies have strict underwriting profiles for the type of driver that earns them the most money. For example, a desirable insured might be described as over the age of 35, has no prior claims, and drives less than 7,500 miles a year. Any driver who fits those characteristics will probably get the lowest rates and will also cut their insurance rates if they switch.

Insureds who may not quite match the requirements will probably be forced to pay higher premium rates which results in the prospect going elsewhere. The wording the ads use say "people who switch" not "all people who quote" can get the lowest rates when switching. That is how insurance companies can lure you into getting a quote.

Because of these techniques, you really should get Hays car insurance quotes from several different companies. It's just not possible to know which company will have the lowest rate quotes.

Don't give up on cheap premiums

When shopping online for car insurance, it's very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Cost effective car insurance is available on the web in addition to many Hays insurance agents, so you need to quote Hays car insurance with both in order to have the best price selection to choose from. Some companies don't offer online price quotes and most of the time these smaller providers sell through independent agents.

Throughout this article, we presented a lot of ways to reduce car insurance premium rates online in Hays. It's most important to understand that the more times you quote, the better your comparison will be. You may even discover the most savings is with a company that doesn't do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

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