car insurance in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be wary[…]

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3 Things That Can Drive up Your Car Insurance Rates

Some bad behaviors that can increase your auto insurance costs Driving Under the Influence Risking yourself as well as others on the road, intoxicated driving absolutely obliterates your chance of acquiring the very best vehicle insurance protection quotes. After a drunk-driving conviction, some states require the insurance protection business to submit an unique type of form known as a FR-44 or SR-22 just to get insurance on the vehicle. Research by NerdWallet reveals that one drunk-driving conviction boosts the typical car insurance coverage quote by over 30% in Kansas. Speeding It’s no shock to anybody that speeding tickets cause insurance rates to go up.   Unfortunately, many people underestimate the amount of increase from a single ticket, especially if that ticket involves potential harm to others (like a construction zone ticket). Research in Kansas estimates that three tickets for minor speeding offenses (15-20 mph over the limit) would dramatically increase the costs of coverage by over 33 % per year. Bad Credit I know, I know.  It seems that credit is involved in everything.  So why should it also be used in insurance?  It’s used because it is an easy proxy to determine bad behavior in the future. The majority of insurance coverage companies know exactly how you handle credit score when they find out car insurance coverage premiums, and a lot of states allow them to do so. Whether it’s reasonable or otherwise, insurance providers mention that according to their information, people with poor credit score commonly have the tendency to send even more and likewise costlier cases than people with good credit score. To learn about clients’ credit rating practices, insurance protection company inspect their credit-based insurance coverage scores. A lower insurance protection score can relate into higher automobile insurance coverage quotes. A Kansas motorist with insufficient credit rating would pay 18 % more generally for car insurance coverage as compared to the really same vehicle driver with terrific credit history. Your insurance coverage rating is various from the credit rating score that lenders use, however it’s based upon equivalent aspects. FICO, among the business that calculates insurance coverage scores, encourages the following to handle your insurance coverage rating: 1) Make your credit card payments, and other loan payments, timely 2) Only apply for a loan when it is needed and don’t apply just to save $20-$30; you’ll pay for it later 3) Keep the outstanding balances on your credit low as compared to the amount available Conclusion The best way to raise your rates for auto insurance is through speeding, getting a DUI, and having poor credit.  If you can avoid these issues, you can have a much better chance of getting a great rate on your car insurance. At Hubbard Insurance, we are dedicated to assisting you discover the absolute policy for your insurance coverage requires. We know that there are a lot of options out there and we want to surpass all of your expectations for your insurance requires. As our customers age, their requirements alter[…]

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insure in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be wary of[…]

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auto insurance in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be wary[…]

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car insurance quotes in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be[…]

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cheapest car insurance in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be[…]

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car insurance calculator in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be[…]

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best car insurance in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be[…]

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car insurance companies in Overland Park, KS [dyna dynami=”intro para”] Here is a great article from Consumer Reports on buying insurance: http://www.consumerreports.org/cro/car-insurance/buying-guide.htm Getting started in Kansas Those quirky characters in auto-insurance TV ads might give you more laughs than actual savings, according to a 2014 survey by the Consumer Reports National Research Center. Only 10 percent of 19,000 ConsumerReports.org subscribers who compared premiums found that they would save money by switching insurers. That doesn’t mean shopping is a waste of time. But it’s only one way to save on auto premiums, which these days are buffeted by a slew of variables, such as: ·         Rising costs. Auto-insurance premiums are up 4 percent since 2013, about twice the rate of overall inflation. So if your income is still treading water, car insurance is taking a bigger bite out of your household budget. ·         Credit-based insurance scores. Hard times have hurt many consumers’ credit scores. That could result in rate increases, thanks to most carriers’ use of credit-based insurance scores in setting premiums. Consumer advocates (including Consumer Reports) have long argued that credit-based scoring is unfair because scores are not related to accident risk. But legislative efforts to ban or restrict the practice in recent years have been unsuccessful. ·         Uninsured motorists. The stagnant economy has also prompted unemployed consumers to go without insurance, which could shift some or all of their liability costs to you. ·         Corner-cutting repairs. Some insurers push policyholders to get their cars fixed at specified repair shops, which left our readers less satisfied, so that the companies can cut costs, often through use of cheaper aftermarket replacement parts. Some cost factors are beyond your control, but there’s still plenty you can do to cut your premiums for the auto coverage you need. Here is a good article from the government on auto insurance rates for Overland Park, KS. http://www.usa.gov/topics/travel/cars/insurance.shtml The requirements for auto insurance vary from state to state. Check with your Kansas insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy. To get the best coverage in Overland Park at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are: Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive; your age (turning 25 or 50); your good grades if you are a student, your driving record (no moving vehicle violations or accidents in three years); or if you’ve taken a safe-driving course. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have anti-theft devices or have safety features such as air bags or anti-lock brake system. [weather city=”Overland Park” state=”Kansas”] Insider Insurance Tips Be[…]

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