Tightwads Guide for Saving on Central City Car Insurance

Are you tired of scraping the payment together each month for car insurance? You are in the same boat as the majority of other car owners in Kentucky. Online insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with TV and radio ads and it is difficult to sift through the bull and do the work needed to find the best deal.

Take advantage of discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Most are applied at the time you complete a quote, but a few must be specifically requested prior to getting the savings. If you aren't receiving every discount available, you are throwing money away.

  • Clubs and Organizations - Belonging to a civic or occupational organization could qualify you for a break when buying car insurance.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy could earn a price break for each car.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. All the companies say the same thing about savings if you move your policy.

How can each company make the same claim?

Insurance companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer could be over the age of 40, has no tickets, and has excellent credit. A customer who fits that profile will get very good rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements must pay a more expensive rate which usually ends up with business going elsewhere. The ads say "people who switch" not "people who quote" save that kind of money. That's why companies can truthfully make those claims.

This illustrates why you should get quotes from several different companies. Because you never know the company that will have the lowest rates.

More Kentucky car insurance information

Additional information is located on the website for the Kentucky Department of Insurance through this link. Consumers can find out which companies have the most complaints, download brochures, find disaster information, and view a list of available companies.

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Best coverage at the best price

Cheap car insurance is possible from both online companies in addition to many Central City insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

We just showed you a lot of tips how to reduce car insurance prices online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest premiums are with an unexpected company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like .