Columbia Auto Insurance For Less Than You're Paying Now
Are you overwhelmed by the crazy number of auto insurance options in Columbia? Lot's of other consumers are too. You have so many options available that it can turn into a challenge to find the lowest price.
It's important to check auto insurance prices at least once a year since insurance rates are constantly changing. Even if you think you had the best price a couple years back you will most likely find a better rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.
If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. The purpose of this post is to tell you how to effectively get price quotes. Although Kentucky vehicle owners do need to know the methods companies use to market insurance on the web and apply this information to your search.
Policy discounts you shouldn't miss
The price of auto insurance can be rather high, but there are discounts available to help bring down the price. Most are applied at the time you complete a quote, but a few need to be asked about prior to getting the savings.
- Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
- Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
- Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
- Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
- New Vehicle Savings - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- Homeowners Discount - Owning a house in Columbia can help you save on auto insurance because maintaining a house is proof that your finances are in order.
- Federal Government Employee - Active or retired federal employment may qualify you for a discount with select insurance companies.
A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will cut the amount you have to pay.
Save $429 a year? Really?
Auto insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to make an identical promise about savings if you change to them. How do they all say the same thing?
All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a desirable insured might be profiled as over the age of 40, has no tickets, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.
Potential customers who don't qualify for the "perfect" profile will have to pay a more expensive rate and ends up with business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save money. That's the way companies can truthfully advertise the way they do.
Because of the profiling, you should get quotes from several different companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.
Find out more about auto insurance
Additional information can be found on the Kentucky Department of Insurance website located here. Kentucky drivers can file complaints about an insurance agent or broker, find disaster information, and find out industry alerts.
Affordable insurance is out there
As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.
The cheapest auto insurance is attainable on the web and with local Columbia insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
People leave their current company for a number of reasons such as delays in paying claims, delays in responding to claim requests, unfair underwriting practices and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is less work than it seems.
