Easy Techniques to Save Money on Butler Auto Insurance

Finding the lowest price for Butler auto insurance can be difficult if you've never compared online rate quotes. But don't let that discourage you because it's actually quite easy.

It's important to price shop coverage occasionally since insurance rates are constantly changing. If you had the lowest rates two years ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to lower your annual insurance bill.

The purpose of this article is to introduce you to how to get online quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. Kentucky vehicle owners just need to know the most effective way to compare company rates online.

Be sure to get all your discounts

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be specially asked for before you will receive the discount. If you don't get every credit you qualify for, you're just leaving money on the table.

Sign Early and Save - Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
Multi-policy Discount - When you have multiple policies with one company you may earn 10% to 20% off each policy.
Federal Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Driver's Ed - Require your teen driver to take driver's ed class in high school.
Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save 5% or more.
New Vehicle Savings - Adding a new car to your policy can save up to 30% compared to insuring an older model.
Good Student - Getting good grades can save 20 to 25%. This discount can apply up to age 25.
E-sign - Some insurance companies give back up to $50 for buying a policy and signing up online.
Accident Forgiveness - Some insurance companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will help reduce the amount you have to pay.

For a list of providers with the best auto insurance discounts in Kentucky, follow this link.

Finding Auto Insurance in Butler, KY

There are several ways to shop for auto insurance, and some are less time-consuming than others. You can waste hours talking to insurance agencies in Butler, or you can stay home and use the web to get the quickest rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and every company can provide price quotes. This eliminates the need for form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is you are unable to specify the companies you will receive quotes from. If you would rather choose individual companies to compare rates, we have a page of the cheapest auto insurance companies in Kentucky. View list of Kentucky insurance companies.

Whichever way you use, make absolute certain that you use apples-to-apples coverages with each company. If you compare different limits and deductibles on each one it will be very difficult to make an equal comparison in Butler.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique.

For example, these questions might point out whether or not you would benefit from professional advice.

Does my car insurance cover rental cars?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
What can I do if my company won't pay a claim?
Should I file a claim if it's only slightly more than my deductible?

If you don't know the answers to these questions then you might want to talk to a licensed agent. If you don't have a local agent, take a second and complete this form. It's fast, free and may give you better protection.

A tidy conclusion

In this article, we covered many ways to get a better price on auto insurance. The key concept to understand is the more you quote, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a smaller regional carrier.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including high prices, policy non-renewal, extreme rates for teen drivers and unfair underwriting practices. Regardless of your reason, switching auto insurance companies is not as hard as you think.