Free Guide to Spending Less for Crescent Springs Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. Because you have many online and local companies to choose from, it's nearly impossible to pick the cheapest car insurance company.

Don't pay full price with these discounts

Auto insurance companies don't always list all available discounts very well, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you don't get every credit possible, you're paying more than you need to.

Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.
Driver Safety - Completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
Student in College - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you may save up to 20% off your total premium.

As a disclaimer on discounts, some credits don't apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren't that generous.

To see a list of insurers who offer auto insurance discounts in Kentucky, click here.

How to Compare Crescent Springs Auto Insurance Costs

There are multiple methods to compare auto insurance prices and some are easier and takes less work. You can waste a lot of time talking to insurance companies in Crescent Springs, or you can utilize online quoting to get the quickest rates.

Many insurance companies enroll in a system that enables customers to submit one quote, and each company provides a quote for coverage. This prevents consumers from doing quote forms to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you cannot specify which carriers to get pricing from. So if you want to select specific providers to compare rates, we put together a list of low cost auto insurance companies in Kentucky. Click to view list.

Whichever method you choose, compare apples-to-apples coverage information on every quote you get. If you use unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best in Crescent Springs.

Crescent Springs Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that help determine auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in lower auto insurance prices.

The following are a few of the "ingredients" auto insurance companies consider when setting premiums.

Safer cars cost less to insure - Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and better occupant protection means lower claim amounts passed on to you as lower rates.
Do you need those extra coverages? - There are a ton of extra coverages that you can get tricked into buying if you aren't careful. Things like personal injury protection, accidental death and term life insurance are some examples. These may sound like a good investment at first, but if they're wasting money remove them from your policy.
Mature drivers pay less - Teenage drivers in Kentucky are known to get distracted easily when behind the wheel so auto insurance rates are higher. Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel.
More than one policy can earn a discount - Many insurance companies will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to ensure the best deal. You may still find a better deal by insuring with multiple companies.
Special features that cut premiums - Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Occupations such as lawyers, social workers and stock brokers tend to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, jobs such as actors, students and performers receive lower rates.
Big city or small town - Choosing to live in a rural area is a positive aspect when buying auto insurance. Urban drivers have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.

The auto insurance bait and switch

Kentucky drivers can't get away from ads that promise big savings by 21st Century, Allstate and State Farm. All the companies have a common claim about savings after switching to their company.

But how can every company say the same thing?

All companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer might be profiled as between 25 and 40, has no tickets, and has great credit. A propective insured that hits that "sweet spot" is entitled to the best price and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile must pay a higher premium and this can result in business not being written. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the savings. This illustrates why drivers must quote coverage with many companies. It's not possible to predict which auto insurance company will fit your personal profile best.

Best coverage at the best price

Cheap auto insurance can be bought on the web and also from your neighborhood Crescent Springs agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Find out more about auto insurance

Even more information can be found at the Kentucky Department of Insurance website. Kentucky drivers can find disaster information, discover disciplinary actions, read enforcement actions against agents and companies, and read consumer alerts.

Additional helpful sites include this resource for Kentucky auto insurance prices and this page of Crescent Springs insurance agents.