How to Know You're Throwing Money Away for Car Insurance in Brooksville

Have you had enough of not being able to afford each month for car insurance? You are in the same boat as many other drivers in Kentucky.

Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you should be able to lower your premiums substantially using these methods. Buying car insurance in Brooksville is easy if you know what you're doing. But Kentucky consumers do need to know how companies determine prices and apply this information to your search.

Save big with these discounts

Insuring your fleet can be pricey, but you may find discounts to help offset the cost. Some trigger automatically at the time of purchase, but a few need to be manually applied prior to receiving the credit.

  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Accident Free - Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Low Mileage Discounts - Keeping the miles down can earn better rates on cars that stay parked.
  • Defensive Driving Course - Completing a defensive driving course could save 5% or more if you qualify.
  • Save with a New Car - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Good Students Pay Less - Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

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Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim that you'll save big if you move to them. How can each company claim to save you money? This is how they do it.

All companies can use profiling for the type of driver that earns them a profit. For example, a driver they prefer might be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. Any driver who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be quoted higher prices which leads to the customer not buying. Company advertisements say "drivers who switch" not "people who quote" save money. That's why companies can advertise the way they do.

This emphasizes why you should get as many comparisons as possible. You cannot predict the company that will provide you with the cheapest rates.

Much more information about car insurance in Kentucky can be found on the website for the Kentucky Department of Insurance. Click here for link. Visitors are able to download brochures, read industry bulletins, view a list of available companies, and read consumer alerts.

Do the work, save more money

When shopping online for car insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Budget-conscious car insurance is possible both online and with local Brooksville insurance agents, so you should compare both so you have a total pricing picture. Some car insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.