6 Discounts Independence Consumers Forget when Shopping for Car Insurance

Searching for low-cost Independence car insurance online can seem to be difficult for consumers not familiar with online price comaprisons. With so many companies competing online, how can you effectively compare every company to locate the best price?

It's important to compare rates on a regular basis since rates are constantly changing. If you had the lowest rates last year there may be better deals available now. Starting now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to properly buy coverages and cut your premium.

This information will help educate you on how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Nevertheless, Kentucky car owners do need to know the methods companies use to determine prices and use this information to your advantage.

Kentucky car insurance

Don't pay full price with these six discounts

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Most are applied at quote time, but lesser-known reductions have to be asked for in order for you to get them.

  • Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Accident Waiver - Certain companies will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will bring down your premiums.

For a list of providers with the best car insurance discounts in Kentucky, click here.

Car Insurance Prices in Independence, Kentucky

There are multiple methods to compare car insurance quotes, but one way is less time-consuming than others. You can waste hours talking to agents in Independence, or you can stay home and use the web to achieve your goal.

Most car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and every company can provide price quotes for coverage. This prevents consumers from doing form submissions to each individual car insurance company.

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

The only drawback to using this type of form is that you can't choose the companies you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have a listing of the cheapest car insurance companies in Kentucky. View list of Kentucky insurance companies.

However you get your quotes, ensure you are comparing identical deductibles and coverage limits for every company. If you use different values for each quote it will be very difficult to decipher which rate is best in Independence. Slightly different coverage limits may result in a large different in cost. Just remember that getting more free quotes helps locate better pricing.

The best insurance company isn't always the cheapest

You just learned a lot of techniques to get a better price on car insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a smaller regional carrier.

Cost effective car insurance is possible from both online companies and also from your neighborhood Independence agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Drivers who switch companies do it for any number of reasons including poor customer service, an unsatisfactory settlement offer, unfair underwriting practices and denial of a claim. Regardless of your reason, switching car insurance companies is not as hard as you think.