Proven Ways to Save on Jenkins Auto Insurance

Are you tired of paying out the nose each month for car insurance? You are no different than most other car owners in Kentucky. Multiple compete to insure your vehicles, so it's not easy to compare every and uncover the absolute lowest price

It's important to take a look at other company's rates once or twice a year because prices are constantly changing. If you had the best price a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.

If you are insured now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Finding the best rates in Jenkins is not that difficult. Kentucky consumers only need to know the proper way to buy auto insurance online.

Are you getting all your discounts?

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but a few need to be manually applied before you will receive the discount. If they aren't giving you every credit available, you are throwing money away.

Passive Restraint Discount - Vehicles with factory air bags can get savings of 20% or more.
Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
No Accidents - Claim-free drivers can save substantially compared to drivers who are more careless.
Clubs and Organizations - Participating in certain professional organizations could qualify you for a break on your policy.
More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
Discount for New Cars - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Good Students Pay Less - Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, you won't be that lucky. Any amount of discount will cut the cost of coverage.

Jenkins Rates are Influenced by These Factors

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

The list below includes a few of the "ingredients" auto insurance companies consider when setting your rates.

Credit scores impact auto insurance rates - Your credit rating is a important factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit history can use some improvement, you could potentially save money when insuring your by repairing your credit.
Too many auto insurance claims drive up costs - Insurance companies in Kentucky provide better rates to insureds who are claim-free. If you are a frequent claim filer, you can expect higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Rates may be higher depending on your occupation - Occupations like lawyers, architects and accountants tend to have higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations such as farmers, athletes and the unemployed receive lower rates.
Don't skimp on liability - The liability section of your policy will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
Older drivers pay less - Mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets. Teen drivers tend to be more careless in a vehicle therefore auto insurance rates are much higher.
Careful drivers pay lower rates - Your driving record impacts your car insurance rates tremendously. Even a single moving violation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.

How can State Farm and Allstate save drivers who switch?

Kentucky consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. All the ads say the same thing about savings if you move to their company.

How do they all make almost identical claims?

All companies can use profiling for the driver that earns them a profit. For example, a preferred risk could possibly be between 25 and 40, has no tickets, and has a short commute. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will be charged more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that much. That's why companies can truthfully make the claims of big savings.

That is why drivers should get a wide range of price quotes. It's impossible to know the company that will fit your personal profile best.

Additional information can be found on the website for the Kentucky Department of Insurance located here. Kentucky consumers can find out industry alerts, download brochures, read industry bulletins, and find out which companies have the most complaints.

In the end, you save

You just read many ways to reduce auto insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the most savings is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .

The cheapest auto insurance is definitely available online and also from your neighborhood Jenkins agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.