Best Way to Find Cheap Hazard Auto Insurance

If you've never shopped for auto insurance online, it's easy to be confused by the vast number of auto insurance companies all offering big savings in Hazard.

It's important to do rate comparisons periodically because prices are constantly changing. Just because you had the lowest rates last year you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

Save big with these discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

Bundle and Save - If you have multiple policies with the same company you may earn approximately 10% to 15%.
Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
Good Student - Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
Sign Online - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
Accident Forgiveness - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down your overall premium however.

But I don't know anything about car insurance

When it comes to buying adequate coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

What are the best liability limits?
Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Kentucky?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance ads bend 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 make an identical promise about savings if you switch to them. How does each company claim to save you money?

All the different companies have a certain "appetite" for the type of driver that earns them a profit. For example, a desirable insured might be a mature driver, a clean driving record, and drives newer vehicles. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will have to pay higher prices and ends up with the customer not buying. The ad wording is "customers that switch" not "people who quote" save money. That is how companies can truthfully claim big savings.

Because of the profiling, you should get quotes from several different companies. It's impossible to know which company will give you the biggest savings.

Additional Kentucky consumer information

Additional information can be found on the Kentucky Department of Insurance website located here. Visitors are able to view agent and company licensing information, learn about specific coverages, and file complaints about a company.

Final considerations

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

We covered many tips how you can reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a small local company.

Cheaper auto insurance is available both online and with local Hazard insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.