You know a bad driving record or owning a high-powered sports car can work against you when you shop for car insurance quotes, but do you know the things that can work in your favor? You may be surprised to find that certain factors – including many that are beyond your control – may help lower your rates rather than raise them. Continue reading to learn more about how to get great rates on your Kansas Car Insurance Quotes.
1. Where You Live
When you decided to call Kansas your home, you may not have realized the decision would come with an extra benefit – lower than average car insurance rates. According to the Insurance Information Institute, the average driver in Kansas paid just $669 for auto insurance coverage in 2013. However, as Kiplinger points out, average rates can vary dramatically from zip code to zip code. A hypothetical driver of a Honda Accord with good credit and a clean driving history could pay an average of $1,078 for comprehensive insurance here in Topeka. Moving to Wichita, however, could boost premiums by more than 5 percent to an average of $1,133.
2. Working from Home
If you are a stay-at-home spouse or work from your home, you may be privy to more affordable car insurance quotes. Insurance companies consider many things when formulating a quote, one of which is typically how often you drive. A person who commutes several miles to work each day is at higher risk of an accident than the person who only drives on the weekends. According to Consumer Reports, reducing your annual mileage from 12,000 to 9,000 miles per year can result in an average premium savings of $50. If you are unemployed or retired, the savings could add up to a 5-10 percent discount.
3. Driving a Safe and Affordable Vehicle
The safe car you chose for yourself and your family not only helps shield you from dangers on the road – it can also help protect you from high car insurance rates. Cars with higher safety ratings may help prevent personal injury in an accident. Furthermore, a vehicle with low repair costs presents less cost risk to an insurance company than a high-end foreign luxury vehicle. The type of car you drive can affect the cost of liability, collision and comprehensive coverage.
4. Your Responsible Habits
Insurers value responsibility and maturity. When your habits reflect these traits, you may qualify for greater savings on your Kansas car insurance quotes. There are many tools insurance companies use to evaluate your habits, some of which can include your credit report, driving record, and your history of prior insurance claims. Of course, all insurance companies have a different appetite for risk. A more risk averse company may evaluate your profile with greater scrutiny, whereas another may overlook an old speeding ticket or skip over your credit report altogether.
5. Comparing Rates from Multiple Providers
Another habit that may be saving you money on car insurance rates is requesting quotes from multiple carriers. Despite the many high-quality insurance companies providing coverage in our state, many drivers request quotes from just one or two companies before deciding on a coverage. By working with an independent agency, such as Integrity Insurance Agency in Topeka or Burlington, you can shop and compare the policies, coverage types and rates of multiple providers until you find the right match for you.
For more information about how you can supercharge your savings or to request you free Kansas car insurance quotes, contact our office today. We look forward to serving you soon.
