Car Insurance in Irvine Kentucky - 5 Tips to Save Money

Beginners to buying insurance online may find buying affordable Irvine car insurance to be a formidable task.

Be sure to get all your discounts

Auto insurance companies don't always advertise all available discounts very well, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.

  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Auto/Home Discount - When you have multiple policies with one company you may earn up to 20% off your total premium.
  • New Car Discount - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Good Student - Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, car insurance companies aren't that generous.

For a list of insurers who offer car insurance discounts in Kentucky, click here.

Automobile Insurance Quotes in Irvine, KY

Effectively comparing car insurance prices can be exhausting if you don't know the most efficient way. You can waste hours talking about coverages with local insurance agents in Irvine, or you could use the internet to get the quickest rates.

Most car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company returns a rated price determined by their information. This prevents consumers from doing quote requests to each individual car insurance company.

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

The one disadvantage to using this type of form is you don't know exactly the companies you want pricing from. If you would rather choose specific providers to receive pricing from, we put together a list of companies who write car insurance in Kentucky. Click to view list.

However you get your quotes, make absolute certain that you use apples-to-apples information with each company. If your comparisons have higher or lower deductibles then you won't be able to make an equal comparison in Irvine. Slightly different coverages may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes provides better odds of finding the best price.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there really is no "perfect" insurance plan. Every situation is different.

For example, these questions might point out whether or not you may require specific advice.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Can I still get insurance after a DUI?
  • Does my insurance cover a custom paint job?
  • Do I need PIP (personal injury protection) coverage in Kentucky?
  • What can I do if my company won't pay a claim?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Shop smart and save

Cheap car insurance can be purchased from both online companies and also from your neighborhood Irvine agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, do not sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage and discovered at claim time they didn't purchase enough coverage. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, policy cancellation, policy non-renewal and delays in paying claims. Regardless of your reason, finding a new car insurance company is not as hard as you think.