Q: I have never had to buy car insurance, as my husband always took care of that. He just passed away and now I need to find a good, honest, company. Can you help me find auto insurance in Olathe, KS? Thank you very much for your assistance.

A: We’re sorry about the circumstance that brought you to us, but will do our best to help you find auto insurance. Here are the steps to follow that will ensure you find a good insurance policy.

1. Decide on what type of coverage you need. If you own your home or have other significant assets then you should buy more than the recommended minimum coverage.

2. Shop around for a deal. Call or visit several companies and ask for a quote. Be clear you do not want an estimate you want the actual price.

3. Compare the policies, but don’t just buy the cheapest one there is. Buy the one the offers the most coverage for what you want to pay per month.

4. Find out what your deductible will be. If you can afford a one thousand dollar deductible then your premiums will be lower.

5. If there is anything you do not understand ask the agent to explain it, in writing, before buying the policy.

Follow the steps outlined above and you’ll be sure to find the best deal on auto insurance! Remember, it’s vital that you take the time to compare car insurance quotes from several different providers as it ensures you will receive the best coverage at the lowest cost.

Cheap auto insurance is available, you just need to be determined to find it, have the time to do the proper market research. The only way to find cheap car insurance is to show determination and willingness to research it. You can find cheap auto insurance without giving up the coverage you need.

Car insurance quotes are easy to obtain online. Many companies exist to offer cheap auto insurance to those who are on a budget. Car insurance rates are based on various factors. The rate may be based on your age, gender, the number of accidents, your driving record and the type of car. All of these are factors in your risk of causing an accident and they will most likely affect how much you have to pay in order to be covered.

You must not act in haste while shopping for auto insurance and must compare different companies to get the best deal for your vehicle. Based on your driving habits, there are many companies who will offer you cheap auto insurance rates. You must try to gather as many quotes as you can to do the proper market research before going for it.

It is easy to understand that the easiest, cheapest and fastest way to find car insurance quote is online. To complete a quote request online shouldn’t take more than 15 minutes. You should enter accurate information when requesting the quote in order to get the cheapest auto insurance rate.

If you have a clean driving record and fit specific age requirements for cheap auto insurance, you should have no trouble finding a good deal. Insurance companies will also offer you reduced rates if you have taken some safe driving courses. With all the available Internet tools, you can now easily compare auto policies and rates. Follow these tips to make your task of getting the cheapest auto insurance policy much easier.

When you live in the state of Missouri, as with any state, there are so many things you must abide by. One of those things is the insurance. If you do not have an insurance policy on the vehicle you are driving in this state or anywhere else in the United States, then you are breaking the law. With those thoughts in mind, it is time for you to set out and find some Missouri auto insurance. If that is what you are looking for, then you have found the right article. While the best things in life may be free, the next best things are cheap.

This is especially true with auto insurance. It can be maddening to have to pay a bill month in and month out for a service you hope never to use. That is why you should read these auto insurance tips for getting the lowest monthly bill possible while still receiving the coverage that you need.

It may seem self-evident, but to get the lowest monthly insurance premiums, you need to have a great driving record. This means no speeding tickets and few to no accidents. You can’t change the past, but if you want to lower your rates, you have to strive to be a more cautious driver.

Beyond that, you should make sure that your car falls into your insurer’s low risk category. Sports cars are not considered low risk.

Neither are foreign cars with hard to find replacement parts. The more difficult it is to repair your car, the more it will cost your insurance company and they will pass that cost on to you. Some companies even charge you more if your car is red; statistically red cars get into the most accidents.

Another less known auto insurance tip is to try to stick with the same insurance company for as long as you can. They often reward loyalty, especially if you’re driving record is good and you always make your payments on time. In addition, see if you can’t get all your insurance policies from the same company. Umbrella policies are like buying in bulk and can often increase your savings.

Use these Missouri auto insurance tips as you shop around for the best deal you can find to fit you, your driving habits, and your car. Once you employ these tips, you will find yourself saving a lot of money each month on that insurance policy.

If you’re looking for ways to save on your car or automobile insurance or actually get cheap car insurance there are a few trade secrets you should know. You can save hundreds of dollars every year if you know what to do. Look over these tips and see if you’re taking advantage of them now. If not, put them into action and get several cheap car insurance quotes and compare.

1. Some of the larger insurers offer low mileage discounts of 10 percent or more, if you drive fewer than 7400 miles a year. And some insurance companies will cut your premiums 5-25% if you haven’t been in an accident for five years. So make sure to ask your agent about these discounts.

2. Keep you car insurance and home insurance with one company. Some of the larger companies will offer big discounts if you do. If you aren’t doing this, check with your agent or a new insurer if you’re changing companies.

3. Make sure to let your insurance agent know if you have recently married or moved. They may be able to reduce your insurance premium so you get cheaper car insurance. If your FICO credit score has gone down you can also ask your agent if you can get cheaper insurance.

4. If possible consider raising your deductibles. A deductible is what you pay out of your pocket; the insurer pays the balance of any insurance claim.

5. If you’re looking to buy a new car you may want to check with your insurance agent because some models of the same brand will cost more than others. Some car insurance companies offer a discount for hybrids too. You can almost always get cheap car insurance if you buy a sedan instead of a sports car.

6. Check with the automobile insurance company to see if you can get additional discounts for anti-theft devices installed in your car such as alarms, steering wheel locks, hood locks and ignition kill switches. And also any additional discounts for drivers ed or defensive driving classes.

7. And make sure to compare insurance rates online by getting multiple quotes. There are companies that specialize in getting you free quotes from several companies at one time. They don’t charge you for this, yes it’s free. This is the fastest way to get the cheapest quotes. It takes only a few minutes so you save lots of time getting quotes from many companies individually. The companies they get the quotes from are nationally recognized auto insurance companies.

So if you follow these tips you’ll know how to get cheap car insurance and save yourself a lot of money in the process. It doesn’t take that much time to get informed and you’ll benefit for many months or years down the road.