Easy Ways to Cut Costs on Arlington Auto Insurance

If you've never shopped for auto insurance online, it's easy to be confused by the vast number of auto insurance companies all offering big savings in Arlington.

Take advantage of discounts

Insuring your fleet can be pricey, but companies offer discounts to reduce the price significantly. Most are applied when you complete an application, but lesser-known reductions have to be asked about before they will apply.

  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Multiple Policy Discount - If you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.

It's important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce your overall premium however.

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Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to big savings.

The following are some of the factors that factor into prices.

  • Car features impact rates - Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Clean credit earns discounts - Having a bad credit history is a big factor in determining your rates. So if your credit score is not that good, you could potentially save money when insuring your by improving your rating. Consumers who have good credit tend to be less risk to insure than those with lower credit scores.
  • Rural vs Urban Areas - Living in less populated areas can save you money when talking about auto insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Cautious drivers pay less - Drivers with clean records get better rates compared to drivers with tickets. Even one speeding ticket may increase your cost twenty percent or more. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else's.

These are some specific questions might point out whether your personal situation could use an agent's help.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Kentucky?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise that you can save after switching your policy. But how can every company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the right customer that earns them a profit. An example of a driver they prefer might be over the age of 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher rates and ends up with the customer not buying. Company advertisements say "customers who switch" not "people who quote" save that kind of money. That is how insurance companies can advertise the way they do.

This emphasizes why drivers should get a wide range of price quotes. It's impossible to know which company will provide you with the cheapest rates.

For more Kentucky car insurance information

More information is available on the Kentucky Department of Insurance website found here. Visitors are able to view a list of available companies, find out industry alerts, and view agent and company licensing information.

Also read more on this page for auto insurance prices in Kentucky and this page of Arlington insurance agents.

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Final considerations

People change insurance companies for a variety of reasons including unfair underwriting practices, policy cancellation, policy non-renewal and even poor customer service. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There have been many situations where an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

We covered many tips how you can reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a small mutual company.