7 Ways You Can Buy Car Insurance for Less in Lakeside Park

Expensive car insurance can drain your checking account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances.

Lots of contend for your hard-earned dollar, and because of this it can be hard to compare to get the lowest price

It's important to price shop coverage quite often since rates are constantly changing. Just because you found the best price a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.

These seven discounts can lower your rates

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

Sign Online - A handful of insurance companies will give a small break just for signing your application on their website.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
Memberships - Belonging to certain professional organizations is a good way to get lower rates on car insurance.
Accident Waiver - A few companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.

It's important to note that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck.

To see a list of companies who offer car insurance discounts in Lakeside Park, click here to view.

Free Quotes for Car Insurance in Lakeside Park, Kentucky

Most companies such as State Farm, GEICO and Progressive allow you to get coverage price quotes on the web. Getting quotes doesn't take a lot of time as you just type in your coverage information as detailed in the form. Once you submit the form, their rating system will obtain your credit score and driving record and returns a price quote. Quoting online makes it a lot easier to compare rates but the time required to go to different websites and type in the same information is repetitive and time-consuming. But it's very important to perform this step in order to find better car insurance pricing.

The preferred way to locate the lowest prices is to use a quote form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes quoting online much more enjoyable. As soon as you send your information, it is rated and you can select any of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you copy the insurance coverages exactly as shown on your declarations page. This makes sure you will receive an apples-to-apples comparison based on the exact same insurance coverage.

Different people need different coverages

When choosing the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is a little different so your insurance should reflect that For instance, these questions may help you determine whether you might need an agent's assistance.

Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Lakeside Park?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have any recourse if my insurance company denies a claim?
Are rental cars covered under my policy?
Am I covered if I wreck a rental car?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on television and other media. They all seem to make an identical promise that you can save after switching your policy. How do they all make the same claim?

All the different companies have a preferred profile for the right customer that is profitable for them. For example, a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay higher prices and ends up with business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that kind of money. This is how insurance companies can advertise the way they do. Because of the profiling, drivers must get as many quotes as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

Lower-priced car insurance can be sourced from both online companies in addition to many Lakeside Park insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, never reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.

More sites with car insurance information

Additional detailed information can be found at the Kentucky Department of Insurance website. Consumers can get help finding coverage, read enforcement actions against agents and companies, report car insurance fraud, and view a list of available companies.