5 Discounts Harlan Shoppers Forget when Buying Car Insurance

If shopping for car insurance online is new to you, you may be overwhelmed because of the huge number of car insurance companies all offering big savings in Harlan.

It's important to check car insurance prices occasionally since rates are constantly changing. If you had the best price last year you will most likely find a better rate today. Forget all the misinformation about car insurance because we're going to demonstrate one of the easiest ways to lower your rates without sacrificing coverage.

Choosing the best insurance company for you in Harlan is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Kentucky vehicle owners just need to know the most effective way to shop their coverage around online.

More discounts equal less premium

Companies that sell car insurance don't necessarily list every available discount very clearly, so we took the time to find both the well known as well as the least known car insurance savings. If you're not getting every credit you qualify for, you are throwing money away.

Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Resident Student - Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
Multi-policy Discount - If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.

Drivers should understand that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way.

It's not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Do I pay less if my vehicle is kept in my garage?
What are the best liability limits?
Does my car insurance cover rental cars?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Consumers in Kentucky get pounded daily by advertisements for cheaper car insurance by companies like Allstate and Progressive. All the ads say the same thing that you'll save big if you move to them.

How does each company claim to save you money?

All companies have a certain "appetite" for the type of driver that earns them a profit. For example, a preferred risk might be a mature driver, owns a home, and has great credit. Any new insured who fits that profile will get very good rates and therefore will save when switching.

Consumers who do not match these standards will be charged higher rates which usually ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save money. That is how companies can advertise the savings. That is why you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

For more Kentucky car insurance information

More detailed Kentucky car insurance information can be found at the Kentucky Department of Insurance website. Visitors are able to find out industry alerts, read consumer alerts, and view a list of available companies.

Best coverage at the best price

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Consumers who switch companies do it for a number of reasons such as policy cancellation, policy non-renewal, unfair underwriting practices and even not issuing a premium refund. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.

We just covered a lot of tips how to reduce car insurance prices online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with the least-expected company.