Getting the Cheapest Harold Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out.

Popular companies such as GEICO and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to compare rates at least once a year because prices are constantly changing. If you had the lowest price a year ago there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance online, so I'm going to show you some great ways to reduce your auto insurance bill.

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Harold is quite easy. Nevertheless, Kentucky consumers do need to know how insurance companies determine prices because it can help you find the best coverage.

You have some control over your rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that may reward you with big savings.

More miles equals more premium - The more you drive in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
High numbers of claims are not good - If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance companies in Kentucky generally give cheaper rates to policyholders who are claim-free. Insurance coverage is intended for the large, substantial claims.
Rates may be lower depending on your job - Jobs such as judges, social workers and dentists tend to have the highest average rates attributed to job stress and lots of time spent at work. Other jobs such as actors, historians and the unemployed receive lower rates.
Having a spouse can save you money - Having a wife or husband actually saves money on auto insurance. It means you're more mature and responsible and it's statistically proven that being married results in fewer claims.
Protect your assets with liability insurance - The liability section of your policy provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Do you need those extra coverages? - There are a lot of extra coverages that you can buy when buying auto insurance. Insurance for personal injury protection, towing coverage and term life insurance are some examples. They may seem good at first, but if they're wasting money eliminate the coverages to reduce your premium.

Quick Harold Auto Insurance Quotes

Shopping for lower auto insurance rates can be a lot of work if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in Harold, or you can utilize the internet to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system that enables customers to submit one quote, and each participating company then returns a price quote based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The single downside to doing it this way is you don't know exactly which providers you want to price. So if you want to select specific insurance companies to receive pricing from, we have a listing of low cost auto insurance companies in Kentucky. View list of Kentucky insurance companies.

Whichever method you choose, compare exactly the same deductibles and coverage limits for each price quote. If each company quotes different values for each quote it will be next to impossible to truly determine the lowest rate in Harold. Slightly different coverage limits may result in a large different in cost. Just keep in mind that getting more free quotes will improve the odds of getting better pricing.

Don't pay full price with these discounts

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few must be specifically requested before you will receive the discount.

Life Insurance Discount - Larger companies have better rates if you take out auto and life insurance together.
Drive Less and Save - Keeping the miles down could be rewarded with a substantially lower rate.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
No Accidents - Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
No Charge for an Accident - A handful of insurance companies permit an accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Sign Online - A handful of insurance companies may give you up to $50 simply for signing digitally online.
Organization Discounts - Being a member of a civic or occupational organization may earn a discount on auto insurance.
Defensive Driving Course - Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.

Consumers should know that some credits don't apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will reduce your premiums.

To choose companies with the best auto insurance discounts in Harold, click here.

The auto insurance bait and switch

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads in print and on television. They all seem to have a common claim of big savings if you move to their company. How can each company claim to save you money?

All the different companies are able to cherry pick for the driver that makes them money. For instance, a desirable insured might be over the age of 50, has no tickets, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will have to pay higher premiums and this can result in the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently make those claims.

Because of the profiling, you need to get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.

Additional auto insurance information is located on the website for the Kentucky Department of Insurance through this link. Visitors are able to file complaints about an insurance agent or broker, find disaster information, download brochures, and read industry bulletins.

Final considerations

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage and learned later they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at an affordable rate.

Cost effective auto insurance is possible both online and also from your neighborhood Harold agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.