Quote Eminence Car Insurance Prices With These Tricks

Saving money on Eminence car insurance is a challenge for consumers not familiar with shopping for insurance online. There are so many choices that it can be more work than you anticipated to find lower rates in Eminence.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Just because you had the best deal on your last policy you can probably find a better price now. So just forget all the misinformation about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

Why some people pay less for insurance in Eminence

Consumers need to have an understanding of the factors that go into determining your car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Listed below are some of the factors companies use to determine rates.

  • The more you drive the more you pay - The more miles you rack up on your car every year the more you will pay for car insurance. Most companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your car insurance policy is showing how each vehicle is driven, because it can save money.
  • Safer cars cost less to insure - Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Tickets mean higher rates - Your driving citation history impacts your car insurance rates tremendously. Good drivers receive lower rates than bad drivers. Even a single moving violation can increase rates by twenty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Do you need the policy add-ons? - There are many extra bells and whistles that you can buy on your policy. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. These may sound like a good investment at first, but if you don't need them get rid of them and save.
  • Your credit rating is important - Credit score is a large factor in your rate calculation. So if your credit rating is lower than you'd like, you could save money insuring your by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • More than one policy can earn a discount - Most insurance companies will give a discount to policyholders who carry more than one policy. It's known as a multi-policy discount. Discounts can be 10 percent or more. Even if you're getting this discount you may still want to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Having a spouse can save you money - Being married can actually save you money on car insurance. It is viewed as being more responsible and it's statistically proven that drivers who are married are more cautious.

Kentucky car insurance quotes

Save big with these discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but some must be inquired about prior to getting the savings.

  • New Car Discount - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Military Rewards - Being deployed with a military unit could mean lower rates.
  • Air Bag Discount - Factory air bags can get savings of 20% or more.
  • Defensive Driver - Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

To choose companies offering car insurance discounts in Eminence, click here.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim about savings if you switch to them. How do they all make the same claim?

Insurance companies can use profiling for the type of driver that makes them money. An example of a desirable insured could be between 25 and 40, has no tickets, and has great credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will have to pay a more expensive rate and this can result in business going elsewhere. Company advertisements say "people who switch" not "people who quote" save money. That's why companies can truthfully advertise the savings.

Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict the company that will fit your personal profile best.

More Kentucky car insurance information

Additional information is available on the Kentucky Department of Insurance website through this link. Consumers can file complaints about an insurance agent or broker, find disaster information, and file complaints about a company.

compare Eminence car insurance rates

Final considerations

When you buy insurance online, you should never buy poor coverage just to save money. In many instances, an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at an affordable rate.

Drivers switch companies for many reasons like delays in paying claims, unfair underwriting practices, poor customer service or even questionable increases in premium. Whatever your reason, finding the right car insurance provider is easier than you think.

You just learned a lot of ways to save on car insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with an unexpected company.