Free Guide to Paying Less for Cumberland Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say you're not the only one.

Numerous battle to insure your vehicles, so it can be very hard to choose a to get the lowest price

If you have car insurance now, you should be able to cut costs considerably using this information. Finding affordable coverage in Cumberland is not that difficult. Although Kentucky drivers do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

Tips to Get Lower Cumberland Rates

Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The following are a partial list of the pieces used by your company to calculate prices.

  • Do you have a high stress job? - Did you know that where you work can have an impact on rates? Careers like judges, executives and accountants have higher rates than average due to high stress levels and lengthy work days. On the flip side, occupations like actors, athletes and performers get better rates.
  • Do you know your deductibles? - Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more you have to pay, the less your auto insurance will be.
  • Where do you drive? - Driving more miles in a year the higher your rate. Almost all companies apply a rate based upon how you use the vehicle. Autos left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • Don't skimp on liability - Liability coverage provides coverage when a court rules you are at fault for personal injury or accident damage. It provides legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Higher safety ratings means cheaper insurance - Cars with high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and lower rates for you.
  • Careful drivers pay lower rates - A bad driving record impacts your car insurance rates tremendously. Even one citation can bump up the cost forty percent or more. Drivers who don't get tickets get better rates compared to drivers with tickets. If you have flagrant violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

Comprehensive Cumberland Auto Insurance Comparison

There are several ways to compare auto insurance prices but one way is more efficient than others. You can spend your afternoon discussing policy coverages with insurance agencies in Cumberland, or you could use online quoting to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company returns a competitive quote for coverage. This system prevents you from having to do quotation requests to each individual auto insurance company.

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

The single downside to using this type of system is you are unable to specify which providers to get quotes from. If you prefer to choose specific providers to compare rates, we put together a list of companies who write auto insurance in Kentucky. Click to view list.

It's up to you how you get prices quotes, just ensure you are comparing the exact same information on every quote. If you use higher or lower deductibles then you won't be able to make a fair comparison in Cumberland. Having just a slight variation in coverages may result in large price differences. Just remember that comparing more company's prices will enable you to find the best price.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise every discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known ways to save on auto insurance.

  • Claim Free - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Auto/Life Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Organization Discounts - Participating in certain professional organizations could trigger savings when shopping for auto insurance.
  • Low Mileage Discounts - Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • Homeowners Discount - Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy on their website.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because you may think you can get free auto insurance, you won't be that lucky.

To choose insurance companies who offer auto insurance discounts in Cumberland, click this link.

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all make the same claim about savings after switching your coverage to them. How do they all make almost identical claims? It's all in the numbers.

All companies are able to cherry pick for the type of customer that makes them money. For instance, a driver they prefer could possibly be a mature driver, has no driving citations, and has a short commute. A customer getting a price quote who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully make the claims of big savings. This emphasizes why you need to get as many quotes as possible. It's impossible to know which auto insurance company will fit your personal profile best.

Even more information is located at the Kentucky Department of Insurance website. Kentucky consumers can read industry bulletins, report car insurance fraud, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

The cheapest auto insurance can be purchased online as well as from independent agents in Cumberland, and you need to price shop both to get a complete price analysis. Some insurance providers don't offer online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, never reduce coverage to reduce premium. There are too many instances where someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.