How to Find Cheap Clay Auto Insurance

Shopping for the cheapest Clay auto insurance over the internet is rather challenging for beginners to online price comaprisons. Because there are so many insurers available, how can consumers have a chance to compare every one to find the best available rates?

Finding the best rates in Clay is not that difficult. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Kentucky consumers only need to know the most efficient way to shop for auto insurance on the web.

These discounts can lower your rates

Auto insurance companies don't always advertise every discount very clearly, so we researched both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you are throwing money away.

  • Government Employees - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Low Mileage Discounts - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Safety Course Discount - Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Distant Student - Kids in college who are attending college and don't have a car can be insured at a reduced rate.
  • Multiple Policy Discount - If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky.

Different people need different coverages

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Each situation is unique.

For instance, these questions can help discover whether you might need an agent's assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Is my vehicle covered for flood damage?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

Are you falling for claims of savings?

Kentucky consumers get pounded daily by advertisements for car insurance savings by Progressive, Allstate and GEICO. They all make an identical promise about savings if you change to their company.

How does each company make almost identical claims?

Different companies have a preferred profile for the driver that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" not "everybody who quotes" save that much. This is how companies can truthfully advertise the way they do. This emphasizes why you should quote coverage with many companies. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Even more information is located at the Kentucky Department of Insurance website. Kentucky consumers can download brochures, file complaints about an insurance agent or broker, and discover disciplinary actions.

Kentucky auto insurance quotes

And the best car insurance company is...

People leave their current company for many reasons like high rates after DUI convictions, delays in paying claims, delays in responding to claim requests and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

The cheapest auto insurance is attainable online and also from your neighborhood Clay agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.