Getting Cheap Falmouth Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer's remorse. Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates every six months since insurance rates are constantly changing. If you had the best price a couple years back there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we're going to demonstrate one of the easiest ways to reduce your cost while improving coverage.

Pricing affordable auto insurance coverage in Falmouth is quite easy. If you are insured now or are looking for a new policy, you will benefit by learning to find better prices while maximizing coverage. Kentucky vehicle owners just need to know the tricks to get comparison rates online.

Falmouth Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that come into play when calculating auto insurance rates. Knowing what controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

A clean driving record saves money - Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can boost insurance rates by twenty percent. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
Don't sacrifice liability coverage - The liability section of your policy provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
Your car's features help determine rates - Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are a windshield shattered by a rock, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Rates may be lower depending on your job - Occupations like lawyers, business owners and financial analysts tend to have higher average rates because of stressful work requirements and lengthy work days. Conversely, professions such as actors, engineers and the unemployed receive lower rates.
Teen drivers pay high rates - Teenage drivers in Kentucky tend to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations.

How to Compare Auto Insurance in Falmouth, Kentucky

Reducing your insurance rates can be quick and easy. You just have to invest a few minutes comparing price quotes from different insurance companies. This can be done in a couple of different ways.

The fastest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for a different quote for every auto insurance company. Filling out one form will return price quotes .
A harder way to get quotes online consists of visiting each company website and fill out their own quote form. For examples sake, let's say you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in Falmouth, click here.
The least recommended method of comparing rate quotes is to drive around to and from local Falmouth insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the personal advice of a local Falmouth agent. However, consumers can find lower rates online and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but ensure you are comparing identical deductibles and coverage limits for every quote you compare. If you use different values for each quote it's impossible to determine the best price in Falmouth.

Save big with these discounts

Car insurance can cost a lot, but you can get discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but a few need to be asked about prior to receiving the credit. If you're not getting every credit possible, you are paying more than you should be.

Discount for Good Grades - This discount can get you a discount of up to 25%. This discount can apply up to age 25.
Organization Discounts - Affiliation with a qualifying organization is a good way to get lower rates on your policy.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Homeowners Discount - Being a homeowner can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
Federal Government Employee - Employees or retirees of the government can save as much as 8% with certain companies.
Resident Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
More Vehicles More Savings - Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

To choose providers with the best auto insurance discounts in Kentucky, click here to view.

Auto insurance ads bend the truth

Kentucky drivers can't ignore all the ads that promise big savings by State Farm and Allstate. All the ads make an identical promise that you'll save big if you move to their company.

How does each company say the same thing?

All companies are able to cherry pick for the driver that makes them money. For example, a preferred risk might be profiled as over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards will be charged higher prices and ends up with business not being written. The ads state "customers that switch" not "people who quote" save that much. That's the way companies can advertise the way they do.

That is why you need to compare as many rates as you can. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Much more information about auto insurance in Kentucky can be found on the website for the Kentucky Department of Insurance located here. Kentucky drivers can file complaints about a company, find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.

Best coverage at the best price

Throughout this article, we presented many tips how you can compare auto insurance prices online. The key concept to understand is the more you quote, the better chance you'll have of finding lower rates. Drivers may discover the biggest savings come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates than their larger competitors like .

Budget-conscious auto insurance is possible on the web and also from your neighborhood Falmouth agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.