Top Ways to Save on Dayton Auto Insurance

No one in their right mind enjoys paying for auto insurance, in particular when their premiums are too high.

Since consumers have many online and local companies to choose from, it's difficult to choose the best company.

It's important to do rate comparisons occasionally because insurance rates are constantly changing. Even if you got the lowest price a few years ago there may be better deals available now. Ignore everything you know about auto insurance because you're about to learn the only way to properly buy coverages while reducing your premium.

Choosing the best insurance company for you in Dayton is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Nevertheless, Kentucky drivers do need to know how companies price online insurance because it can help you find the best coverage.

Dayton auto insurance comparison

Don't pay full price with these discounts

Companies don't list all their discounts very well, so we researched both well-publicized and also the lesser-known savings tricks you should be using.

  • College Student - Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraints - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Accident Forgiveness - Some insurance companies allow you one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • Drive Less and Save - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Club Memberships - Participating in a professional or civic organization is a good way to get lower rates on auto insurance.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

For a list of companies offering auto insurance discounts in Kentucky, click here to view.

Dayton Auto Insurance Quote Comparison

There are multiple methods to shop for auto insurance, but there is one way that is more efficient than others. You can waste hours discussing policy coverages with insurance companies in Dayton, or you could use online quotes for quick rates.

Most car insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company then gives them pricing. This saves time by eliminating quotation requests to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is you cannot specify the companies to receive prices from. If you would rather choose specific insurance companies to compare rates, we have a listing of companies who write auto insurance in Kentucky. Click here for list of insurance companies in Kentucky.

It's up to you which method you use, but make absolute certain that you use apples-to-apples coverage limits and deductibles for each comparison quote. If you compare different liability limits you can't possibly determine the lowest rate in Dayton. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes gives you a better chance of getting the best rates.

Your personal situation dictates your coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

  • What are Kentucky no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?

If you're not sure about those questions then you might want to talk to an agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Affordable insurance is out there

When shopping online for auto insurance, don't be tempted to sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best price.

In this article, we presented some good ideas how you can get a better price on auto insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the most savings is with a small mutual company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as .