Car Insurance in Beaver Dam - 6 Discounts You Might be Forgetting

People who are new to buying insurance online may find shopping for cheap Beaver Dam car insurance nearly impossible.

It's important to get comparison quotes periodically since rates are constantly changing. Even if you got the lowest price a couple years back the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the internet, so I'm going to show you some great ways to save money.

Save big with these six discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so we researched some of the more common and the more hidden discounts you could be receiving.

Accident Forgiveness - A handful of insurance companies permit an accident before raising your premiums as long as you don't have any claims prior to the accident.
Early Signing - A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
Anti-theft Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
Military Discounts - Being deployed with a military unit could mean lower rates.
Bundle and Save - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
No Claims - Good drivers with no accidents pay much less as compared to bad drivers.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies offering car insurance discounts in Beaver Dam, click here.

Beaver Dam Car Insurance Comparisons

There are several ways to compare rate quotes from different Beaver Dam 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 best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for a different quote for every car insurance company. Just one form compares rates . It's the fastest way to compare.
A different way to get quotes online is going to each individual company website to complete their respective quote request forms. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method.

To view a list of companies in Beaver Dam, click here.

However you get your quotes, be sure to compare exactly the same coverage limits and deductibles on every quote you get. If you have different liability limits it will be impossible to determine which rate is truly the best in Beaver Dam. Slightly different coverages could mean much higher rates. Keep in mind that having more price comparisons will increase your chances of finding the best rates.

But I don't know anything about car insurance

When choosing the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form.

Car insurance ads bend the truth

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim about savings if you switch your policy. How can each company make the same claim?

All companies have a certain "appetite" for the right customer that is profitable for them. For instance, a desirable insured could be a mature driver, a clean driving record, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay a higher premium and this can result in business going elsewhere. The ads say "people who switch" not "people who quote" save that kind of money. That is how companies can truthfully advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.

Final considerations

Cheaper car insurance can be found from both online companies in addition to many Beaver Dam insurance agents, and you need to price shop both to have the best rate selection. 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.

You just learned a lot of techniques to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with an unexpected company.

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. In many cases, someone dropped collision coverage and learned later that the savings was not a smart move. Your aim should be to find the BEST coverage at an affordable rate.

Additional Kentucky consumer information

Even more information is located at the Kentucky Department of Insurance website. Consumers can learn about insurance regulations, file complaints about a company, and read consumer alerts.