Tightwads Instructions on Saving on Garrison Auto Insurance

Expensive auto insurance can overdraw your checking account and put a big crunch on your finances. Shopping your coverage around is a great way to help make ends meet.

Lots of contend to insure your vehicles, and because of this it can be hard to compare to get the lowest price

It's important to price shop coverage on a regular basis because prices are constantly changing. Just because you found the best price on your last policy a different company probably has better rates today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to how to use online quotes to get good coverage at a lower rate.

Don't pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you get a quote, but a few need to be inquired about before you will receive the discount.

Good Student Discount - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
E-sign - Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
Clubs and Organizations - Participating in certain professional organizations may earn a discount on your policy.
Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
Low Mileage - Fewer annual miles can earn a substantially lower rate.

It's important to note that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, you're out of luck. But any discount will cut your premiums.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the factors that help determine the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

The following are a few of the "ingredients" that factor into your rates.

Careful drivers pay lower rates - Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
Being married is a good thing - Having a spouse can get you a discount on auto insurance. Marriage usually means you are more mature and it's proven that married drivers get in fewer accidents.
Liability insurance protects assets - Liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Theft deterrents lower rates - Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations like lawyers, social workers and accountants are shown to have higher rates than average because of high stress and lengthy work days. On the flip side, jobs such as pilots, athletes and performers pay the least.

The auto insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads have a common claim that you can save after switching your policy. How do they all make almost identical claims?

All companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be charged higher premiums and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that kind of money. This is how insurance companies can advertise the savings.

That is why drivers should get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

For more Kentucky auto insurance information

More information can be found on the website for the Kentucky Department of Insurance located here. Kentucky consumers can file complaints about a company, get help finding coverage, find out which companies have the most complaints, and view a list of available companies.

Do the work, save more money

You just read a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company. Regional companies often have lower prices on specific markets as compared to the big name companies such as .

Lower-priced auto insurance can be sourced online in addition to many Garrison insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.