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Tips for Lowering Your Insurance Premiums

How can you lower the costs of your car insurance and keep the same coverage required?

There are a few ways you can lower the costs of your premium without lowering your coverage. The first, and most widely used solution is to compare auto insurance rates. With a few free quotes from competitive insurance companies in your state, you can compare policies and determine which company is offering the lowest premiums. Note that not all insurance companies require the same minimum coverage requirements. You’ll want to make sure when comparing insurance quotes that you are comparing prices for the same coverage. Although one company may be offering a lower total insurance package, it may be because they are not providing you with as much coverage. Here are some other ways to save on your car insurance:

• Maintain a good driving record.
• Take the highest deductible you can afford on collision and comprehensive coverage.
• On cars with market value less than $3,000, consider carrying only liability coverage.
• Pay your premium well in advance of due date. No grace period applies to automobile insurance.
• Review your policy periodically and update coverage accordingly.

For parents of teenage drivers: If your teenagers don’t own cars, name them on your policy as occasional operators of your least expensive cars. They may be named as an occasional driver if they don’t drive to and from school or work. If they do own cars, cover them under your policy. This would also qualify you for a multi-car discount. It is important that you report actual driving habits to the company. It’s not uncommon to have juveniles automatically assigned to your most expensive car.

Check into discounts for a driver’s education course or good academic record. If the young driver goes to school more than 100 miles away—without a car—another discount may apply.

Young singles on their own: Avoid high performance or “turbo cars.” A turbo engine can add more than 10 percent to your premium.

Senior Citizens: Take a defensive-driving course that’s approved by the State Board of Education or National Safety Council. You may earn a 5 to 15 percent discount off your premium.

Ask your insurance agent about discounts

Ask your agent or company if you are eligible for any discounts. Here are some discounts you should ask about:

• Two or more cars on a policy
• Motor Vehicle Accident Prevention Course
• Driver Education Courses
• Good student drivers under age 25
• Mature driver (between 50 and 65 years of age)
• Air bags, anti-lock braking system, and other safety equipment
• Anti-theft devices
• Low mileage
• Carpooler
• Clean driving record
• Accident free record
• Auto/home insurance on same policy or with same company

Click for more information about Kansas auto insurance quotes.