How to Know You're Throwing Money Away for Auto Insurance in Erlanger

Tired of scraping the payment together each month for car insurance? You're in the same situation as most other car owners in Kentucky.

With consumers having so many choices of insurance companies, it can be challenging to pick the lowest price insurance company.

It's important to take a look at other company's rates before your policy renews because insurance rates are constantly changing. Even if you think you had the best deal last year you can probably find a lower rate today. Starting right now, forget all the misinformation about auto insurance because you're about to learn the proper way to reduce your cost while increasing coverage.

The purpose of this article is to let you in on how car insurance quotes work and some tips to save money. If you currently have car insurance, you will be able to save some money using this strategy. Nevertheless, Kentucky drivers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.

Comparison of Auto Insurance in Erlanger

Most companies quote coverage prices directly from their websites. Getting online rates is pretty painless as you just type in as detailed in the form. When the form is submitted, the company's rating system will obtain your driving and credit reports and returns a price quote determined by many factors. This helps simplify price comparisons, but the time required to go to each company's website and repetitively complete many quote forms can be a bit repetitive. But it's very important to do this if you are searching for better auto insurance pricing.

A quicker way to lower your auto insurance bill uses one simple form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It only takes a few minutes and can result in significant savings.

To save time and find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have a policy now, it's recommended you duplicate your coverages exactly as they are listed on your policy. This ensures you will have comparison quotes for similar insurance coverage.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked for prior to getting the savings.

  • Homeowners Pay Less - Owning a house in Erlanger can save you money because maintaining a house requires personal responsibility.
  • No Accidents - Claim-free drivers can earn big discounts as compared to bad drivers.
  • Safety Course Discount - Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • College Student - Youth drivers who live away from home and don't have a car can be insured at a reduced rate.
  • Pay Now and Pay Less - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Life Insurance Discount - Larger companies have a break if you buy life insurance from them.

It's important to understand that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of companies with discount auto insurance rates in Kentucky, click here.

Additional auto insurance information is available on the website for the Kentucky Department of Insurance through this link. Kentucky consumers can report car insurance fraud, read industry bulletins, discover disciplinary actions, and read consumer alerts.

Additional helpful sites include this page for Kentucky auto insurance and this page for help finding agents in Erlanger, KY.