Car Insurance in Ashland - 6 Discounts You Might be Forgetting

Saving money on Ashland car insurance is a challenge for beginners to shopping for insurance online. You have so many choices that it can quickly become a big hassle to locate the lowest price in Ashland.

It's important to price shop coverage once or twice a year since rates are constantly changing. Even if you got the lowest price a few years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to save money.

Buying car insurance in Ashland is quite easy. Basically, every vehicle owner who has to buy car insurance stands a good chance to be able to save money. Nevertheless, Kentucky car owners do need to know how big insurance companies price online insurance because it can help you find the best coverage.

Save big with these six discounts

Car insurance companies don't list all their discounts very clearly, so we researched some of the more common and also the lesser-known car insurance savings.

New Car Discount - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
Military Discounts - Having a deployed family member could mean lower rates.
Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
One Accident Forgiven - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Payment Discounts - If you pay your bill all at once instead of paying each month you could save 5% or more.
College Student - Children who are attending college and do not have a car may qualify for this discount.

It's important to understand that most credits do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, it doesn't quite work that way.

To see a list of companies offering car insurance discounts in Kentucky, follow this link.

Comprehensive Car Insurance Comparison in Ashland

There are several ways to compare rate quotes and find the best price. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotes for each company. Taking the time to complete one form compares rates instantly. Recommended for those who want to invest the least amount of time.
A different way to get quotes online is going to the website for each individual company and fill out their own quote form. For sake of this example, let's say you want rates from , and . You would have to spend time on each company's site and enter your information, which is why the first method is quicker.

To view a list of companies in Ashland, click here.

It doesn't matter which method you choose, just double check that you are using identical coverage limits and deductibles for every quote you compare. If each company quotes different liability limits you can't possibly determine the best price in Ashland. Just a small difference in coverage limits may result in large price differences. It's important to know that comparing more company's prices helps locate the best rates.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing of big savings if you switch your policy. How does each company make the same claim? It's all in the numbers.

Different companies can use profiling for the right customer that is profitable for them. For instance, a desirable insured could be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will have to pay higher prices which usually ends up with business going elsewhere. The ad wording is "customers who switch" not "people who quote" save that kind of money. That's why insurance companies can confidently advertise the way they do. Because of the profiling, drivers must get as many comparisons as possible. It's just too difficult to predict the company that will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

When shopping online for car insurance, never reduce coverage to reduce premium. In many instances, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best price.

Consumers switch companies for a variety of reasons including delays in paying claims, unfair underwriting practices, policy cancellation or denial of a claim. Whatever your reason, finding a new car insurance company is actually quite simple.

Low-cost car insurance can be found from both online companies in addition to many Ashland insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

More tips and info about car insurance is located at the Kentucky Department of Insurance website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and read consumer alerts.