Getting Cheap Greenville Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not alone.

There are many to buy insurance from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

It's important to check auto insurance prices every six months because prices are constantly changing. Just because you had the best deal six months ago a different company probably has better rates today. So block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to save money, get proper coverage and the best rates.

Take advantage of discounts

Car insurance companies don't always advertise all their discounts very clearly, so here is a list both the well known and also the lesser-known discounts you could be receiving.

Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
Homeowners Discount - Owning a house in Greenville can save you money because owning a home requires personal responsibility.
Discount for Good Grades - Performing well in school can save 20 to 25%. The discount lasts until age 25.
Sign Online - Some insurance companies may give you up to $50 for buying your policy over the internet.
No Charge for an Accident - Certain companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
Passive Restraints - Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

A little note about advertised discounts, some credits don't apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, you won't be that lucky.

What determines how much you pay?

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

Please use or commuting - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance policy shows how each vehicle is driven, because it can save money.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, collision with an animal, and windstorm damage. The deductibles are how much you are willing to pay if you file a covered claim. The more money you're willing to pay, the less your auto insurance will be.
Cautious drivers pay less - Your driving citation history has a lot to do with how much you pay for insurance. Good drivers get better rates than bad drivers. Even a single moving violation can increase rates forty percent or more. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
Having a spouse can save you money - Being married can actually save you money on auto insurance. It is viewed as being more responsible and statistics show being married results in fewer claims.
Are you male or female? - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that women are better drivers. Men and women tend to get into accidents at about the same rate, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
Better credit means lower rates - Credit score is a big factor in calculating your auto insurance rates. So if your credit score is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim about savings if you switch to them. How does each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured might be over the age of 50, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay higher prices and this can result in the customer not buying. Company advertisements say "customers who switch" not "people who quote" save money. That's the way companies can truthfully state the savings. Because of the profiling, drivers should compare as many rates as you can. It's impossible to know which auto insurance company will have the lowest rates.

Even more information is available at the Kentucky Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, file complaints about a company, and get help finding coverage.

Shop smart and save

As you restructure your insurance plan, never skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price.

Cheaper auto insurance is available both online and with local Greenville insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We covered a lot of ways to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like .