Free Guide to Paying Less for Bowling Green Car Insurance Online

No one in their right mind looks forward to buying car insurance, particularly when the cost is way too high.

You have so many to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around occasionally due to the fact that insurance rates are constantly changing. If you had the best price last year you will most likely find a better rate today. Forget all the misinformation about car insurance because we're going to demonstrate one of the easiest ways to properly buy coverages while reducing your premium.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for before you get the savings.

Bundle and Save - If you have multiple policies with one company you may earn 10% to 20% off each policy.
Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
College Student - Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Drive Less and Save - Keeping the miles down can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's so your insurance needs to address that. For example, these questions might point out whether your personal situation will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in Bowling Green?
Should I buy additional glass protection?
Is my nanny covered when driving my vehicle?
Do I qualify for additional discounts?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an 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.

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to say the same thing about savings if you move your coverage to them. How does each company claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the type of customer that earns them a profit. For example, a desirable insured might be between the ages of 40 and 55, owns a home, and has great credit. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the savings.

Because of the profiling, you should get as many comparisons as possible. You cannot predict which company will give you the biggest savings.

Additional information can be found on the website for the Kentucky Department of Insurance found here. Visitors are able to view agent and company licensing information, read consumer alerts, view a list of available companies, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price.

Cheaper car insurance is possible both online as well as from independent agents in Bowling Green, so you should be comparing quotes from both to have the best selection. There are still a few companies who don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.