Quote Danville Auto Insurance Prices With These Methods

Finding better rates for Danville auto insurance is hard for consumers new to comparison shopping online. Drivers have so many options available that it can quickly become more work than you anticipated to compare prices in Danville.

It's important to take a look at other company's rates before your policy renews because prices are constantly changing. Just because you had the best price last year you will most likely find a better rate today. Forget all the misinformation about auto insurance because we're going to demonstrate the proper way to find great coverage at a great price.

More discounts equal less premium

Companies that sell car insurance don't list all their discounts very clearly, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you're not getting every credit available, you are throwing money away.

  • Homeowners Pay Less - Owning a house in Danville can save you money because owning a home is proof that your finances are in order.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Life Insurance Discount - Some companies give a discount if you purchase auto and life insurance together.
  • Sign Online - A handful of insurance companies may give you up to $50 just for signing your application over the internet.

It's important to note that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you're out of luck.

Switch companies and save? Really?

Consumers in Kentucky get pounded daily by advertisements for the lowest price auto insurance by State Farm, GEICO and Progressive. They all seem to have a common claim that you can save if you switch to their company.

How does each company claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be between 30 and 50, is a homeowner, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money and this can result in the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save that much. That's why insurance companies can claim big savings. Because of the profiling, you should get quotes from several different companies. It's impossible to know the company that will give you the biggest savings.

Learn more today

Additional detailed information can be found at the Kentucky Department of Insurance website. Visitors are able to report car insurance fraud, download brochures, and file complaints about a company.

Also read more on this page for Kentucky auto insurance and this page for help finding agents in Danville, KY.

And the best car insurance company is...

Lower-priced auto insurance is available both online and also from your neighborhood Danville agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers switch companies for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, high prices and even delays in paying claims. It doesn't matter why you want to switch finding the right auto insurance provider is less work than it seems.

We covered a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a company that doesn't do a lot of advertising.