Car Insurance in Hartford Kentucky - 9 Discounts You Might be Losing Out On

Are you tired of not being able to afford each month for car insurance? You're in the same situation as the majority of other car owners in Kentucky. With consumers having so many different company options, it is very difficult to locate the best insurer.

Finding affordable coverage in Hartford is easy if you know what you're doing. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Kentucky vehicle owners just need to know the most effective way to compare rates online.

Policy discounts you shouldn't miss

Companies don't necessarily list every discount very well, so we break down some of the more common and also the lesser-known ways to save on car insurance. If you don't get every credit available, you are throwing money away.

  • Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Early Signing - Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Multiple Policy Discount - If you have multiple policies with one company you will save approximately 10% to 15%.
  • 55 and Retired - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • No Claims - Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Auto/Life Discount - Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Paperwork-free - A handful of insurance companies will give a small break for buying a policy and signing up online.

Drivers should understand that most discount credits are not given to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn't make money that way.

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Save $429 a year? Really?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. They all make the same claim that you'll save big if you switch your policy.

But how can every company make the same claim? It's all in the numbers.

All the different companies can use profiling for the right customer that earns them a profit. For example, a driver they prefer could be a mature driver, is a homeowner, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be quoted higher premiums which leads to business going elsewhere. The ad wording is "customers who switch" but not "drivers who get quotes" save that kind of money. That's why companies can state the savings. This emphasizes why drivers should compare many company's rates. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

More detailed Kentucky car insurance information can be found at the Kentucky Department of Insurance website. Consumers can download brochures, find out industry alerts, read consumer alerts, and read industry bulletins.

Also read more on this site for car insurance rates in Kentucky and this list of insurance agents in Hartford, KY.

A tidy conclusion

When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

Budget-conscious car insurance can be found from both online companies in addition to many Hartford insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.