Free Guide to Paying Less for Hyden Auto Insurance Online

Having to pay for overpriced auto insurance can overdraw your savings account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Big companies like GEICO and Progressive all promote huge savings with fancy advertisements and it is difficult to sift through the bull and find the best price available.

It's important to check auto insurance prices quite often since insurance rates are constantly changing. Just because you found the best deal on your last policy you may be paying too much now. So just ignore everything you know about auto insurance because it's time to teach you the proper way to save money, get proper coverage and the best rates.

If you currently have car insurance, you will most likely be able to save some money using this information. Finding affordable coverage in Hyden is quite easy. Nevertheless, Kentucky vehicle owners do need to know the methods companies use to sell online and take advantage of how the system works.

How to Buy Hyden Auto Insurance Online

There are several ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You could spend your day driving to agents in Hyden, or you can utilize online quoting to get rate comparisons in just a few minutes.

All the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to comparing rates this way is that you can't choose which companies you will receive quotes from. So if you want to choose individual companies for rate comparison, we have a listing of low cost auto insurance companies in Kentucky. Click to view list.

It's up to you which method you use, but make darn sure you compare exactly the same quote information on every quote you get. If you enter mixed coverages it will be next to impossible to determine which rate is truly the best in Hyden. Quoting even small variations in coverage limits can make a big difference in price. And when comparison shopping, quoting more will improve the odds of getting the best offered rates.

What determines how much you pay?

It's important that you understand the different types of things that help determine auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get better auto insurance rates.

The following are some of the factors companies use to determine your rates.

A clean driving record saves money - Even a single speeding ticket can increase rates by twenty percent. Good drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Older drivers save more - More mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers are known to get distracted easily when driving and because of this, their auto insurance rates are much higher.
Increase deductibles and save - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are colliding with a building, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are required to spend before your auto insurance pays a claim. The more money you're willing to pay, the bigger discount you will receive.
Don't let your coverage lapse - Allowing your coverage to lapse will be a quick way to pay more for auto insurance. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.
Small claims can cost you - Insurance companies in Kentucky award cheaper rates to policyholders who file claims infrequently. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Be sure to get all your discounts

Companies that sell car insurance don't always list every available discount in a way that's easy to find, so here is a list some of the best known and the more hidden savings tricks you should be using.

Good Student Discount - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
Resident Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
Own a Home - Being a homeowner can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
Seat Belts Save - Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
Government Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.
Air Bag Discount - Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
Military Rewards - Being on active duty in the military may qualify for rate reductions.

It's important to understand that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free auto insurance policy, it doesn't quite work that way.

For a list of providers who offer auto insurance discounts in Hyden, click here to view.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions may help you determine whether or not you could use an agent's help.

Do I need to file an SR-22 for a DUI in Kentucky?
Why does it cost so much to insure a teen driver in Hyden?
Does my policy cover my teen driver if they drive my company car?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
Can I rate high risk drivers on liability-only vehicles?
Am I covered when delivering products for my home-based business?
Is my nanny covered when driving my vehicle?

If you're not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

More tips and info about auto insurance is available at the Kentucky Department of Insurance website. Kentucky drivers can file complaints about a company, read enforcement actions against agents and companies, report car insurance fraud, and find a variety of consumer forms.

Do the work, save more money

Throughout this article, we presented some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising. Smaller companies can often provide lower rates in certain areas compared to the large companies like .

When you buy insurance online, it's a bad idea to reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Low-cost auto insurance can be sourced on the web and with local Hyden insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer online quoting and many times these smaller companies only sell through independent insurance agents.