Car Insurance in Hickman Kentucky - 5 Discounts You Might be Forgetting

Buying the lowest cost Hickman car insurance over the internet may be impossible for consumers new to buying insurance online. With so many choices of insurers available, how can consumers possibly compare the different rates to find the cheapest available price?

The purpose of this article is to help you learn how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. But Kentucky car owners do need to know the methods companies use to price online insurance and apply this information to your search.

Save big with these 5 discounts

Insurance can be prohibitively expensive, but there could be available discounts that many people don't even know exist. Most are applied at the time you complete a quote, but less common discounts must be specifically requested prior to getting the savings.

Defensive Driver - Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
Student in College - Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Early Signing - Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
New Car Discount - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies don't profit that way. But all discounts will help reduce your overall premium however.

To see a list of insurers offering car insurance discounts in Kentucky, click here to view.

Free Hickman Car Insurance Quotes

There are several ways to compare rate quotes from local Hickman car insurance companies. The best method to find the lowest rates is to use the internet to compare rates. This can be done in several different ways.

The best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company. One form compares rates from multiple companies. Just one form and you're done.
A different way to get quotes online is going to the website for every company you want to comare and request a quote. For examples sake, let's assume you want comparison quotes from , and . You would have to take the time to go to each site and enter your information, which is why the first method is quicker. To view a list of companies in Hickman, click here.

It's up to you which method you use, but make darn sure you compare apples-to-apples coverage limits and deductibles with every price quote. If the quotes have different liability limits you can't possibly find the best deal in Hickman. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparison shopping, getting more free quotes gives you a better chance of getting the best rates.

But I don't know anything about car insurance

When choosing the right insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Your needs are not the same as everyone else's.

These are some specific questions may help you determine if your situation could use an agent's help.

Should I rate my vehicle as pleasure use or commute?
What are Kentucky no-fault laws?
Does my insurance cover a custom paint job?
Does my car insurance cover rental cars?
Can I get a multi-policy discount for packaging my home and auto coverage?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Kentucky?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance ads bend the truth

21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies make an identical promise that you'll save big if you switch to their company. But how can every company make the same claim? It's all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. For example, a profitable customer could be over the age of 40, insures multiple vehicles, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile must pay a more expensive rate and ends up with business going elsewhere. The ads state "customers who switch" not "people who quote" save that much. This is how companies can make those claims.

This illustrates why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

Shop smart and save

Discount car insurance can be found from both online companies and also from your neighborhood Hickman agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced physical damage coverage only to discover later they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

You just learned some good ideas how you can compare car insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with a small mutual company.

Much more information about car insurance in Kentucky can be found on the Kentucky Department of Insurance website found here. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, and find out industry alerts.

Additional helpful sites include this resource for Kentucky car insurance prices and this link which helps you find a Hickman agent.