Comparing Cheap Fort Wright Auto Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than most other car owners in Kentucky. Drivers have multiple to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates.

It's important to take a look at other company's rates before your policy renews because prices are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance online but we're going to give you some great ways to save money.

Take advantage of discounts

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked for prior to getting the savings. If you're not getting every credit available, you're paying more than you need to.

Multi-policy Discount - When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with certain companies.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
E-sign - Certain companies may give you up to $50 just for signing your application over the internet.
Save with a New Car - Insuring a new car can be considerably cheaper since new cars are generally safer.

Keep in mind that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it just doesn't work that way. But any discount will bring down your overall premium however.

To see a list of providers who offer auto insurance discounts in Kentucky, follow this link.

Compare Fort Wright Auto Insurance Costs

Finding cheaper auto insurance prices can be quick and easy. Just take a few minutes to compare rate quotes from different insurance companies. This can be done in several different ways.

The best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This method eliminates the need for separate forms for every auto insurance company. In just a few minutes this one form gets rate comparisons from several companies.
A slightly less efficient method to compare rate quotes is spending the time to visit the website for each individual company to complete their respective quote request forms. For example, let's assume you want rates from , and . To get rate quotes you would need to visit each site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Fort Wright, click here.

Which method you use is up to you, but ensure you're using identical information on every quote you get. If you compare higher or lower deductibles it will be very difficult to determine which rate is truly the best in Fort Wright.

Fort Wright Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that can help you get lower auto insurance prices.

The following are some of the items auto insurance companies consider when setting your rates.

Bundling policies can get discounts - Many companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even with this discount, it's in your best interest to compare rates to ensure the best deal. You may still find better rates by splitting coverages up.
Too many auto insurance claims drive up costs - If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Kentucky provide lower rates to drivers who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
Lower miles equals lower premium - Driving more miles every year the higher your rates will be. Most insurance companies charge to insure your cars based on their usage. Vehicles left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance coverage shows the proper vehicle usage.
Marriage brings a discount - Getting married can get you a discount when buying auto insurance. Marriage means you're more mature it has been statistically shown that drivers who are married are more cautious.
Mature drivers pay less - Youthful drivers in Kentucky are known to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
Do you have enough liability coverage? - Liability coverage will protect you in the event that you are found liable for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
Do men or women drive better? - The statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents at a similar rate, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive auto insurance rates.

Are auto insurance companies telling the truth?

Consumers in Kentucky can't get away from ads for the lowest price auto insurance by Allstate and Progressive. All the ads say the same thing that you can save after switching to their company.

How does each company claim to save you money? This is how they do it.

All companies can use profiling for the driver that is profitable for them. A good example of a preferred risk might be a mature driver, is a homeowner, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be charged a higher premium which usually ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. That's why insurance companies can advertise the savings.

That is why drivers must get quotes from several different companies. It's impossible to know the company that will give you the biggest savings.

In the end, you save

As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Affordable auto insurance can be purchased both online and also from your neighborhood Fort Wright agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More information can be read on the website for the Kentucky Department of Insurance. Click here for link. Visitors are able to read consumer alerts, download brochures, file complaints about an insurance agent or broker, and get help finding coverage.