How to Know You're Wasting Money for Car Insurance in Garner
Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many people just like you. Since consumers have many companies and agents to choose from, it's difficult to locate the lowest price insurance company.
More discounts equal less premium
Car insurance companies don't list every discount very well, so here is a list both the well known as well as the least known discounts you could be receiving. If you don't get every credit possible, you are throwing money away.
- Claim Free - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
- Clubs and Organizations - Being a member of a professional or civic organization may earn a discount when shopping for car insurance.
- Lower Rates for Military - Being deployed with a military unit can result in better rates.
- Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, it just doesn't work that way.
Switch companies and save? Really?
Consumers in Kentucky get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all have a common claim that you can save if you move your coverage to them.
But how can every company claim to save you money?
Different companies are able to cherry pick for the type of customer that earns them a profit. An example of a driver they prefer might be a mature driver, has no driving citations, and has great credit. Any driver that hits that "sweet spot" will get very good rates and therefore will save a lot of money.
Consumers who do not match this ideal profile will be quoted higher prices and this can result in the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the savings. This emphasizes why you should get as many comparisons as possible. You cannot predict which car insurance company will give you the biggest savings.
Additional detailed information is available at the Kentucky Department of Insurance website. Visitors are able to read industry bulletins, find out which companies have the most complaints, view a list of available companies, and read consumer alerts.
Also read more on this online resource for car insurance quotes in Kentucky and this list of insurance agents in Garner.
In the end, you save
Affordable car insurance is possible both online as well as from independent agents in Garner, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and these smaller companies work with independent agents.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.
