Whether you are a Hill's Pet nutrition consultant, an executive at CoreFirst Bank & Trust, or an adjuster at Blue Cross and Blue Shield of Kansas, chances are you have spent many hours already researching how to locate and cross compare Topeka insurance quotes.
Many city residents deeply understand not only the basics of insurance but also the nuances of how insurers set rates and evaluate risk. But even industry insiders can have a surprisingly difficult time assessing their Topeka insurance options. Part of the problem is the sheer volume of potentially useful information out there. As Professor Barry Schwartz points out in his book, The Paradox of Choice, an overabundance of options can lead to a kind of analysis paralysis. It's kind of like the feeling you get when you go to a diner near Westar Energy and have to flip through hundreds of choices about what to eat for lunch. It's an unsettling feeling, a feeling that you are going to make the "wrong" decision, no matter what option you choose.
What you crave is a way to simplify your quest -- streamline it, in a sense, the same way that the 190th Air Refueling Wing streamlines its procedures and keeps our military in tiptop shape. This article will provide you with some basic weapons you can use to speed up your research, activate discounts to save, and rapidly develop a "good enough" Topeka insurance solution.
Auto and Homeowners Insurance: Deep Strategic Ideas
Auto Insurance -- Whether you spend hours a week barreling over roads like US 24, US 75, and I-335, or you are a State of Kansas employee who shuttles to and from work via a bicycle and only uses your auto on weekends, consider these eye-opening statistics. In 2007, according to the National Association of Insurance Commissioners (NAIC), Kansas drivers paid just $568 for their insurance -- well below what the average US driver paid ($795). Kansans paid $192 for comprehensive, $226 for collision and just $295 for liability. To get those numbers even lower, (assuming you are an average Kansas driver), get your credit score up, demonstrate a good safety record (don't cause accidents or get speeding tickets), and explore discount opportunities. For instance, get a multiline discount by insuring your car and home with the same carrier, pay off your bill annually instead of month-by-month to avoid administrative fees, and put your spouse on your policy to limit costs.
Homeowners Insurance -- Car insurance may be cheap in Topeka, but homeowners insurance certainly is not. Consider that Forbes Magazine in 2007 found that Topeka had one of the most volatile climates of any city in the US -- a huge variation in wind, precipitation and temperature. Kansas homeowners paid $904 on average for their premiums in 2007, according to the NAIC (based on HO-3 packages). That was $88 more than what the average US homeowner paid ($822). Obviously, the wild and woolly Kansas weather makes some insurers nervous -- and with good reason. Tornados, winter storms, summer storms and even droughts can adversely affect properties, leaving insurers to foot replacement and repair costs.
To battle back, make your home as risk-free as possible. For instance, reconsider getting that new Pit Bull or Doberman Pincher for your daughter. Dogs with bad reputations or dogs that have a history of biting may be frowned upon by carriers because of liability concerns. Likewise, take action to prevent weather damage: install stormproof windows, fix up your roof, and talk to an agent about how else you can make your home more weather-ready and insurer friendly.
Whether you need home, auto, or other Topeka insurance quotes, do due diligence before signing any policy. Look up a prospective company's rating through services like Standard & Poor's and A.M. Best. Make sure that any agent you work with has excellent credentials and a good list of references. And don't sit on your laurels once you do get insurance. Reassess your coverage at least annually, since your risk sensitivity and budget will shift on a regular basis.
Shopping for Topeka Insurance Quotes through NetQuote
NetQuote can provide a free method to get 5+ Topeka insurance quotes back in practically no time. Fill out one simple online form, submit it, and then collect quotes from a pool of 100 plus carriers. This free research has helped many Kansans just like you discover opportunities to save and get discounts of up to hundreds of dollars on their annual premiums.