6 Tricks Shown to Save on Car Insurance Costs in Carrollton, KY

Cutting costs on Carrollton car insurance is a challenge for consumers new to shopping for insurance online. People have so many choices that it can easily become more work than you anticipated to find the best price in Carrollton.

Pricing the cheapest car insurance coverage in Carrollton is quite easy. If you are insured now or need new coverage, you can learn to find the best rates and still get good coverage. Kentucky consumers only need to know the proper methods to compare prices online.

How much can you save with these six discounts?

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but a few need to be requested specifically prior to getting the savings. If you're not getting every credit available, you are throwing money away.

  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Multiple Policy Discount - If you have multiple policies with one company you will save up to 20% off your total premium.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

compare Carrollton car insurance rates

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all make the same claim about savings if you move your coverage to them.

How does each company make the same claim?

All companies can use profiling for the type of customer that earns them a profit. For example, a driver they prefer could be between 30 and 50, is a homeowner, and has a high credit rating. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be quoted a more expensive rate which leads to business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully state the savings.

This emphasizes why you should get quotes from several different companies. It's just too difficult to predict the company that will have the lowest rates.

Additional information can be found on the Kentucky Department of Insurance website located here. Consumers can download brochures, find a variety of consumer forms, and view agent and company licensing information.

Also read more on this site for car insurance rates in Kentucky and this list of insurance agents in Carrollton, KY.

Best coverage at the best price

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, high rates after DUI convictions and even policy non-renewal. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.

As you restructure your insurance plan, make sure you don't 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 they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

The cheapest car insurance is definitely available from both online companies as well as from independent agents in Carrollton, so compare prices from both to have the best rate selection. Some insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.