Top Ways to Save on Louisville Car Insurance

Overpriced car insurance can dwindle your bank account and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

You have multiple to buy insurance from, and although it's a good thing to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons on a regular basis because rates are constantly changing. If you had the best price last year there may be better deals available now. Block out anything you think you know about car insurance because we're going to demonstrate the fastest and easiest way to find better coverage at a better price.

How much can you save with discounts?

Car insurance companies don't list all their discounts very clearly, so we took the time to find some of the more common and the more hidden savings tricks you should be using.

  • Sign Online - A few companies will give a small break just for signing your application over the internet.
  • Own a Home - Owning a house in Louisville can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Government Employees - Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • New Car Discount - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Sign Early and Save - A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.

For a list of companies with the best car insurance discounts in Ohio, click here to view.

How to Lower Your Car Insurance Cost in Louisville, Ohio

There are several ways to compare car insurance quotes, but some are less time-consuming than others. You can waste hours talking to insurance companies in Louisville, or you can utilize the web to quickly compare rates.

Most car insurance companies take part in a program that allows shoppers to only type in their quote data once, and every company then gives them pricing based on that data. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is you can't choose the companies you want pricing from. So if you want to choose from a list of companies to compare prices, we have assembled a list of low cost car insurance companies in Ohio. View list of Ohio insurance companies.

It's up to you which method you use, but ensure you are comparing identical coverages with each company. If you have different limits and deductibles on each one it will be impossible to make an equal comparison in Louisville. Quoting even small variations in limits can mean a large discrepancy in price. Just remember that more quotes helps locate lower pricing.

Shop smart and save

Affordable car insurance is definitely available from both online companies and with local Louisville insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you some good ideas how you can get a better price on car insurance. The key concept to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. Drivers may discover the lowest rates come from an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like .