Tightwads Instructions on Saving on Covington Auto Insurance
Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you are not the only one feeling buyer's remorse.
Lots of contend for your hard-earned dollar, so it can be very hard to choose a to get the lowest price
It's important to shop coverage around every six months because prices are constantly changing. Just because you found the lowest rates a couple years back there may be better deals available now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.
Are you getting all your discounts?
Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Some trigger automatically at quote time, but lesser-known reductions have to be asked about in order for you to get them.
- Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
- Club Memberships - Participating in certain professional organizations is a good way to get lower rates on your policy.
- Low Mileage - Low mileage vehicles can earn discounted rates on garaged vehicles.
- Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
Keep in mind that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, it just doesn't work that way. But any discount will cut the cost of coverage.
For a list of providers with discount auto insurance rates in Covington, click here to view.
How to Compare Auto Insurance in Covington, Kentucky
Most major insurance companies such as Allstate and Progressive allow you to get coverage price quotes online. This process is fairly simple as you simply enter the coverages you want as detailed in the form. Once entered, the company's rating system will obtain information on your driving record and credit history and generates pricing information. Quoting online streamlines rate comparisons, but the time it takes to visit different websites and type in the same information is not the best way to spend an afternoon. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.
A more efficient way to lower your rates uses one form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes online shopping much more enjoyable and efficient. Immediately after you send the form, it is rated with multiple companies and you can pick any of the quotes that you receive.
If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.
To find out if lower rates are available, click here to open in new window and complete the simple form. To compare your current rates, we recommend you replicate the insurance coverages as shown on your current policy. This helps ensure you will be getting an apples-to-apples comparison based on identical coverages.
Final considerations
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that the savings was not a smart move. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Affordable auto insurance can be sourced online as well as from independent agents in Covington, so you should compare both in order to have the best chance of saving money. Some auto insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.
You just read some good ideas how you can get a better price on auto insurance. It's most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may even find the most savings is with some of the lesser-known companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as .
