Proven Ways to Save on Burlington Car Insurance

Nobody I know likes having to buy car insurance, especially when they are paying too much.

Having so many companies and agents to choose from, it can be diffult for consumers to pick the right insurance company.

It's important to shop coverage around occasionally because rates are constantly changing. Just because you had the lowest price last year you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online, so we're going to give you some great ways to find affordable car insurance.

Kentucky car insurance

Burlington Car Insurance Quote Comparison

Most companies provide coverage price quotes on their websites. The process is fairly simple as you simply enter your coverage preferences into the quote form. When the form is submitted, their rating system will obtain information on your driving record and credit history and generates pricing information determined by many factors. This streamlines rate comparisons, but the time it takes to visit a lot of sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to do this if you want to find a lower rate.

A quicker way to get multiple rate quotes utilizes a single form that analyzes rates from several companies at one time. It's a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. Immediately after submitting the form, it gets priced and you can choose any or none of the quotes returned. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

If you want to find out how much you're overpaying now, click here and begin entering your coverage information. If you have coverage now, it's recommended you input the limits and deductibles identical to your current policy. This ensures you will have a fair comparison for similar insurance coverage.

More discounts equal less premium

Companies that sell car insurance do not advertise every available discount very well, so we researched some of the more common as well as the least known car insurance savings.

  • Early Signing - Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Payment Discounts - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Accident Forgiveness - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of providers offering car insurance discounts in Kentucky, follow this link.

It's not one size fits all

When choosing the best car insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. Here are some questions about coverages that might point out if you could use an agent's help.

  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

For more Kentucky car insurance information

Even more information is located at the Kentucky Department of Insurance website. Consumers can file complaints about a company, find out industry alerts, find disaster information, and get help finding coverage.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Burlington Kentucky.