Free Guide to Paying Less for Benton Auto Insurance Online

Overpriced auto insurance can dwindle your bank account and make it hard to pay other bills. 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. There are many to buy insurance from, and although it's a good thing to have a choice, it makes it harder to compare rates.

It's important to check auto insurance prices quite often because prices are constantly changing. Even if you got the best rates a couple years back there may be better deals available now. There is a lot of bad information regarding auto insurance on the internet, so we're going to give you some great ways to stop overpaying for insurance.

Kentucky auto insurance

Policy discounts you shouldn't miss

Car insurance companies don't necessarily list every available discount very clearly, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Resident Student - Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • E-sign - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Accident Waiver - Certain companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

For a list of providers offering auto insurance discounts in Kentucky, click here to view.

How to Buy Benton Auto Insurance Online

Finding a better price on auto insurance is actually quite simple. Consumers just need to take a few minutes comparing rates from different insurance companies. This can be done in several different ways.

One of the best ways to get quotes is a comparison rater form (click to open form in new window). This easy form saves time by eliminating a different quote to each individual auto insurance company. One form compares rates .

A slightly less efficient method to shop for auto insurance online is going to each company website to complete a price quote. For example, let's say you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.

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

It's up to you which method you use, but make darn sure you compare identical coverage limits and deductibles with each company. If you have different liability limits it will be impossible to make an equal comparison in Benton.

Insurance agents can help

When it comes to choosing coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different so your insurance should reflect that For example, these questions may help you determine whether your personal situation could use an agent's help.

  • Do I need to file an SR-22 for a DUI in Kentucky?
  • What are Kentucky no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I buy only the required Kentucky minimum liability coverage?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don't have a local agent, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and can provide invaluable advice.

And the best car insurance company is...

We covered some good ideas how you can get a better price on auto insurance. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like .

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Affordable auto insurance can be found both online and with local Benton insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.