5 Discounts Cave City Drivers Forget when Shopping for Car Insurance

Price shopping your Cave City car insurance is a challenge for consumers new to buying insurance online. There are so many companies to choose from that it can turn into a challenge to compare prices in Cave City.

It's important to take a look at other company's rates once or twice a year since rates are constantly changing. If you had the best price on your last policy a different company probably has better rates today. Ignore everything you know about car insurance because we're going to demonstrate one of the easiest ways to buy cheaper car insurance.

These 5 discounts can lower your rates

Companies offering auto insurance don't always advertise all their discounts very clearly, so we took the time to find some of the more common and the harder-to-find ways to save on car insurance.

  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous.

Cave City car insurance comparison

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make the same claim about savings if you move to their company. How does each company make the same claim? This is how they do it.

Different companies can use profiling for the driver that earns them a profit. For example, a desirable insured could be over the age of 40, has no tickets, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium which leads to business going elsewhere. The ads state "drivers who switch" not "everybody who quotes" save that much. That's why companies can truthfully advertise the savings. Because of the profiling, drivers should get as many quotes as possible. It's just too difficult to predict the company that will fit your personal profile best.

Even more information can be found at the Kentucky Department of Insurance website. Consumers can learn about insurance regulations, download brochures, and view a list of available companies.

compare Cave City car insurance rates

Do the work, save more money

When you buy insurance online, never skimp on coverage in order to save money. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price.

Insureds who switch companies do it for any number of reasons including denial of a claim, extreme rates for teen drivers, unfair underwriting practices and even policy cancellation. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

Cheap car insurance is possible from both online companies and also from your neighborhood Cave City agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.