How to Know You're Paying Too Much for Auto Insurance in Fort Mitchell

No one likes paying for auto insurance, particularly when they are paying too much. Numerous battle for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

It's important to shop coverage around occasionally because prices are constantly changing. Just because you had the best deal six months ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find better rates and still maintain coverage.

If you have insurance now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Finding affordable coverage in Fort Mitchell is quite easy. Kentucky drivers only need an understanding of the most efficient way to compare company rates online.

Fort Mitchell auto insurance quote

Fort Mitchell Auto Insurance Quote Comparison

There are several ways to shop for auto insurance, and some are more efficient than others. You can spend countless hours driving to insurance companies in Fort Mitchell, or you can utilize the internet to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on that data. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you can't choose the providers you want to price. If you would rather choose specific providers to compare prices, we have a listing of low cost auto insurance companies in Kentucky. Click here for list of insurance companies in Kentucky.

However you get your quotes, make absolute certain that you use the exact same coverages and limits for each comparison quote. If you have different deductibles it will be impossible to determine the lowest rate in Fort Mitchell.

Be sure to get all your discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but lesser-known reductions have to be requested specifically before being credited. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • E-sign - Certain companies may give you up to $50 simply for signing on their website.
  • Defensive Driver - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Senior Citizens - Mature drivers may qualify for a small decrease in premiums.
  • Payment Discounts - By paying your policy upfront instead of paying each month you could save up to 5%.
  • Life Insurance Discount - Larger companies have lower rates if you buy a life insurance policy as well.

It's important to understand that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of providers offering auto insurance discounts in Fort Mitchell, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different and your policy should reflect that. For example, these questions might point out whether or not you might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don't have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

For more Kentucky car insurance information

Additional auto insurance information is available on the website for the Kentucky Department of Insurance through this link. Visitors are able to find out industry alerts, file complaints about a company, get help finding coverage, and discover disciplinary actions.