Free Guide to Saving Money on Dixon Car Insurance Online

Are you tired of scraping the payment together each month for car insurance? You're in the same situation as millions of other consumers.

Because there are so many companies to choose from, it can be hard to locate the most cost effective provider.

It's important to check car insurance prices once or twice a year due to the fact that insurance rates are constantly changing. Just because you found the best deal six months ago a different company probably has better rates today. So forget all the misinformation about car insurance because I'm going to teach you the only way to save money, get proper coverage and the best rates.

Buying affordable car insurance in Dixon is simple if you know the tricks. Basically, every vehicle owner who is required by state law to have car insurance will be able to save money. But Kentucky consumers do need to know how insurance companies sell online and take advantage of how the system works.

Take advantage of discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be requested specifically before they will apply.

Homeowners Pay Less - Owning a house in Dixon can help you save on car insurance because maintaining a house requires personal responsibility.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Multiple Cars - Insuring all your vehicles on one policy could earn a price break for each car.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Air Bag Discount - Factory air bags can receive discounts of more than 20%.
Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
Seat Belts Save - Requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
Accident Free - Claim-free drivers can earn big discounts as compared to drivers who are more careless.

Consumers should know that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies don't profit that way. But all discounts will help reduce your overall premium however.

What determines how much you pay?

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Pay less if you're married - Being married helps lower the price on your policy. It is viewed as being more mature than a single person and it's statistically proven that drivers who are married are more cautious.
Car features impact rates - Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
Low deductibles can be expensive - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage from fire, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The more money you're willing to pay, the less your company will charge you for insurance.
Do you qualify for a multi-policy discount? - Some insurers will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
Older drivers pay less - Youthful drivers in Kentucky have a tendency to be more careless in a vehicle so car insurance rates are higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
Bad driving skills means higher rates - Your driving citation history has a big impact on rates. Good drivers receive lower rates than their less careful counterparts. Even one ticket can increase rates by twenty percent. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
High crash test scores lower rates - Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to make an identical promise that you'll save big if you change to them. But how can every company claim to save you money?

Insurance companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured might be over the age of 50, has no tickets, and has a high credit rating. Any driver who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher rates and ends up with the customer not buying. The ads say "people who switch" not "people who quote" save money. That's why companies can state the savings.

Because of the profiling, drivers should get a wide range of price quotes. You cannot predict the company that will have the lowest rates.

More Kentucky car insurance information

Much more information about car insurance in Kentucky is available on the website for the Kentucky Department of Insurance through this link. Visitors are able to get help finding coverage, view a list of available companies, report car insurance fraud, and read consumer alerts.

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

Do the work, save more money

Discount car insurance can be sourced both online and with local Dixon insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, do not skimp on coverage in order to save money. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate.