Buy Low-Cost Harrodsburg Auto Insurance

Overpriced auto insurance can take a big chunk out of your savings account, especially in this economy. Shopping your coverage around is a great way to cut your insurance bill.

With so many different company options, it can be hard to locate the right provider.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Most are applied when you complete an application, but some may not be applied and must be specifically requested before they will apply.

  • Defensive Driver - Completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • New Vehicle Savings - Insuring a new car is cheaper since new cars are generally safer.
  • Early Signing - Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think it's possible to get free car insurance, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

auto insurance in Harrodsburg

Understand what determines the rate you pay

Smart consumers have a good feel for the factors that go into determining auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower auto insurance prices.

Listed below are some of the items that factor into premiums.

  • Don't get talked into coverage you don't need - There are many add-on coverages that you can get tricked into buying if you aren't careful. Things like vanishing deductibles, accidental death and membership fees are some examples. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
  • Older drivers pay less - Teenage drivers in Kentucky are statistically proven to get distracted easily when driving so auto insurance rates are higher. Adding a teenage driver onto your auto insurance can break the bank. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.
  • Traffic citations inflate rates - Only having one ticket may increase your cost twenty percent or more. Drivers with clean records get better rates than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • How many coverages with the same company - Most insurance companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • An active claims history can cost you - Auto insurance companies in Kentucky generally give discounts to drivers who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions may help you determine whether your personal situation could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • Do I qualify for additional discounts?

If you can't answer these questions then you might want to talk to a licensed agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Save $429 a year? Really?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies have a common claim that you can save if you switch your policy. But how can every company say the same thing? It's all in the numbers.

All companies have a preferred profile for the right customer that earns them a profit. A good example of a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and has excellent credit. A propective insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile must pay higher rates and this can result in business not being written. The ads say "customers who switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can make those claims.

This illustrates why drivers should quote coverage with many companies. It's not possible to predict which insurance companies will have the lowest rates.

More information can be read on the website for the Kentucky Department of Insurance found here. Kentucky drivers can discover disciplinary actions, read enforcement actions against agents and companies, file complaints about a company, and read consumer alerts.

Also read more on this resource for Kentucky auto insurance prices and this link which helps you find a Harrodsburg agent.

Harrodsburg auto insurance comparison

The best insurance company isn't always the cheapest

Affordable auto insurance is available on the web in addition to many Harrodsburg insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

In this article, we covered a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small mutual company. Regional companies can often insure niche markets at a lower cost compared to the large companies like .