Fancy Farm Car Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of car insurance companies in Fancy Farm? Many other drivers are as well. You have so many companies to choose from that it can turn into a challenge to find the lowest price.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. This information will help educate you on the best way to quote coverages and some money-saving tips. But Kentucky consumers do need to know the methods companies use to market insurance on the web because it can help you find the best coverage.

More discounts equal less premium

Companies don't list all available discounts in a way that's easy to find, so we researched both the well known and the harder-to-find car insurance savings.

Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Clubs and Organizations - Being a member of a civic or occupational organization could qualify you for a break when buying car insurance.
Military Discounts - Having a deployed family member could be rewarded with lower premiums.
Federal Government Employee - Active or retired federal employment could cut as much as 10% off depending on your company.
Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
No Claims - Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Use Seat Belts - Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies don't profit that way.

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into premiums.

Choose a safe vehicle and save - Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Liability coverage is peace of mind - Your policy's liability coverage provides coverage if you are found liable for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Your stress level may be raising your rates - Occupations such as judges, architects and dentists are shown to have the highest average rates in part from stressful work requirements and long work days. Other jobs such as actors, historians and retirees pay the least.
Don't get talked into coverage you don't need - There are quite a few extra coverages that you can get tricked into buying when buying car insurance. Insurance for personal injury protection, accidental death and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
A lapse in coverage is a bad thing - Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.
Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

Switch companies and save? Really?

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies say the same thing that you'll save big if you change your policy. How can each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a profitable customer might be over the age of 40, has no driving citations, and has great credit. Any driver who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements must pay higher prices which usually ends up with the customer not buying. The ad wording is "drivers who switch" not "everyone that quotes" save that kind of money. That's the way companies can advertise the savings. This illustrates why drivers should compare many company's rates. You cannot predict which car insurance company will fit your personal profile best.

Learn more about Kentucky car insurance

More detailed Kentucky car insurance information is located at the Kentucky Department of Insurance website. Visitors are able to find disaster information, find out which companies have the most complaints, and read industry bulletins.

Do the work, save more money

Discount car insurance is attainable both online in addition to many Fancy Farm insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Consumers leave their current company for any number of reasons including delays in responding to claim requests, questionable increases in premium, high rates after DUI convictions and even delays in paying claims. It doesn't matter why you want to switch switching car insurance companies is less work than it seems.

When you buy insurance online, it's a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.