Tightwads Tips for Saving on Fern Creek Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say you're not the only one.

Consumers have many to buy insurance from, and even though it's nice to have a choice, it can be more difficult to compare rates.

It's important to compare rates at least once a year due to the fact that insurance rates are constantly changing. Even if you got the lowest price last year there may be better deals available now. There is too much inaccurate information about car insurance on the web, but we're going to give you some great ways to stop overpaying for insurance.

Finding affordable coverage in Fern Creek is not that difficult. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Although Kentucky consumers do need to know how companies price insurance differently because it can help you find the best coverage.

Policy discounts you shouldn't miss

Auto insurance companies don't list every available discount very clearly, so we researched both the well known and also the lesser-known car insurance savings.

Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Resident Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
E-sign - Certain companies may give you up to $50 for buying your policy over the internet.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like it's possible to get free car insurance, you won't be that lucky.

For a list of providers who offer car insurance discounts in Kentucky, follow this link.

How to Compare Fern Creek Car Insurance Costs

The are a couple different ways of comparing rates from car insurance companies in your area. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished using a couple different methods.

One of the best ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method keeps you from doing separate forms for every car insurance company. Completing one form gets rate comparisons from several companies.

A slightly less efficient method to shop for car insurance online is spending the time to visit the website for each individual company and fill out their own quote form. For examples sake, let's assume you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

For a list of links to companies insuring cars in Fern Creek, click here.

It doesn't matter which method you choose, just compare identical information for each comparison quote. If the quotes have higher or lower deductibles then you won't be able to determine the lowest rate in Fern Creek. Just a small difference in coverages may result in a large different in cost. Just keep in mind that getting more free quotes helps locate the best price.

Affordable insurance is out there

As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage and learned later that the small savings ended up costing them much more. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

The cheapest car insurance can be purchased both online and also from your neighborhood Fern Creek agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.