Car Insurance in Barbourville - 7 Discounts You Might be Forgetting

Paying for high-priced car insurance can overdraw your savings account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income.

Because there are so many different company options, it is very difficult to pick the best company.

It's important to compare prices yearly since rates are constantly changing. Even if you got the best rates a couple years back you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online but I'm going to show you some great ways to find affordable car insurance.

Barbourville car insurance comparison

How to Get Cheap Car Insurance in Barbourville, KY

The are a couple different ways to compare rate quotes from local Barbourville car insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form prevents you from having to do a different quote for every car insurance company. A single, simple form compares rates .
  • A different way to shop for car insurance online is going to each company's website to request a price quote. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Barbourville, click here.

It's up to you how you get prices quotes, just make sure you use apples-to-apples coverage limits and deductibles for each price quote. If your comparisons have different liability limits you will not be able to truly determine the lowest rate in Barbourville. Having just a slight variation in coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best rates.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise all their discounts very well, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance.

  • College Student - Any of your kids living away from home attending college and do not have a car can receive lower rates.
  • Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Payment Discounts - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy qualifies for this discount.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you can get free auto insurance, you won't be that lucky.

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

Insurance agents can help

When choosing coverage for your personal vehicles, there really is no "perfect" insurance plan. Every insured's situation is different so this has to be addressed. For example, these questions can help discover whether your personal situation could use an agent's help.

  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be read at the Kentucky Department of Insurance website. Consumers can read enforcement actions against agents and companies, view agent and company licensing information, find out industry alerts, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Barbourville.