Tightwads Tips for Saving on Lancaster Auto Insurance
Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other drivers in Kentucky. You have multiple to buy insurance from, and although it's a good thing to have a selection, having more makes it harder to compare rates.
How to Compare Auto Insurance Costs in Lancaster
Most companies like Allstate, GEICO and Progressive provide pricing directly from their websites. Getting online quotes is pretty easy as you just enter the amount of coverage you want as detailed in the form. When the form is submitted, their system will obtain your credit score and driving record and provides a quote based on many factors. Quoting online makes comparing rates easy, but the work required to visit each company's website and repetitively complete many quote forms is repetitive and time-consuming. But it's very important to get many rate quotes if you want to find better auto insurance pricing.
A quicker way to find cheaper rates requires only one form to get prices from more than one company. The form is fast, reduces the work, and makes quoting online much easier. As soon as the form is sent, it gets priced with multiple companies and you can pick any one of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process takes less than 15 minutes and you'll know if lower rates are available.
To quickly find out what other companies charge, click here to open in new window and complete the simple form. To compare your current rates, we recommend that you enter your coverages identical to your current policy. This ensures you will receive comparison quotes for similar insurance coverage.
These discounts can lower your rates
Auto insurance companies don't always publicize all available discounts very clearly, so we break down some of the best known and the more hidden discounts you could be receiving. If you're not getting every credit available, you're paying more than you need to.
- Memberships - Affiliation with a qualifying organization may earn a discount when buying auto insurance.
- Drivers Education - Have your child enroll in driver's education if offered at their school.
- Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
- Homeowners Pay Less - Owning a home in Lancaster can save you money because maintaining a house is proof that your finances are in order.
- Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
- Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, auto insurance companies aren't that generous.
To see a list of insurers with discount auto insurance rates in Kentucky, click here.
Even more information can be found at the Kentucky Department of Insurance website. Kentucky drivers can find out which companies have the most complaints, view a list of available companies, discover disciplinary actions, and report car insurance fraud.
