7 Simple Tricks to Lower Car Insurance Costs in Flatwoods

I can't think of anyone who looks forward to paying for car insurance, especially when their premiums are too high.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to check car insurance prices periodically since rates are constantly changing. Just because you found the lowest price on your last policy there may be better deals available now. Ignore everything you know about car insurance because you're about to find out the quickest way to buy cheaper car insurance.

Kentucky car insurance quotes

Take advantage of discounts

Companies offering auto insurance don't always advertise all their discounts in a way that's easy to find, so we researched some of the more common and the harder-to-find ways to save on car insurance.

  • Bundle and Save - When you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Club Memberships - Belonging to a civic or occupational organization could trigger savings on car insurance.
  • Military Rewards - Having a family member in the military could be rewarded with lower premiums.
  • Braking Control Discount - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.

Keep in mind that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way.

For a list of companies with discount car insurance rates in Flatwoods, click this link.

Flatwoods Car Insurance Comparisons

There are several ways to compare rate quotes from different Flatwoods insurance companies. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quote forms to each individual car insurance company. Just one form gets you price quotes from many national carriers.

A different way to compare rate quotes requires a trip to the website for each individual company and fill out their own quote form. For example, we'll pretend you want to compare , and . To find out each rate you need to visit each site to input your insurance information, and that's why the first method is more popular.

To view a list of companies in Flatwoods, click here.

It doesn't matter which method you choose, just be sure to compare exactly the same quote information for each comparison quote. If you compare mixed coverages you will not be able to determine the lowest rate in Flatwoods. Having just a slight variation in limits can make a big difference in price. Keep in mind that quoting more will increase your chances of finding a better price.

How to know if you need help

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different so this has to be addressed. These are some specific questions may help highlight whether your personal situation may require specific advice.

  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Affordable insurance is out there

When you buy insurance online, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, someone dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price.

You just learned many ideas to get a better price on car insurance. It's most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a lesser-known regional company. These companies can often insure niche markets at a lower cost than their larger competitors like .

Affordable car insurance can be sourced from both online companies and with local Flatwoods insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and most of the time these small, regional companies sell through independent agents.