Compare Lewisport Car Insurance Prices With These Tricks

Are you intimidated by the number of car insurance choices in Lewisport? Many other drivers are as well. Drivers have so many choices that it can turn into a lot of work to find the lowest price.

It's important to check car insurance prices every six months since rates are constantly changing. Just because you had the best deal last year there may be better deals available now. Starting now, block out anything you think you know about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Buying car insurance in Lewisport is easy if you know what you're doing. If you are paying for car insurance now, you will be able to save some money using these methods. But Kentucky car owners do need to know how companies sell insurance online and take advantage of how the system works.

Kentucky car insurance

Take advantage of discounts

Companies do not advertise every available discount very well, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Homeowners Discount - Being a homeowner can save you money because owning a home requires personal responsibility.
  • Early Signing - A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Multi-car Discount - Insuring more than one vehicle on one policy could earn a price break for each car.
  • Resident Student - Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Club Memberships - Belonging to a professional or civic organization may earn a discount on your policy.
  • Military Rewards - Being deployed with a military unit could mean lower rates.

Consumers should know that some credits don't apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, companies don't profit that way.

For a list of providers offering car insurance discounts in Kentucky, click here.

Compare Quotes for Lewisport Car Insurance

There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate quotation requests to each individual car insurance company. Filling out one form will return quotes from car insurance companies with the best prices. Just one form and you're done.

A different way to compare rate quotes is to take the time to go to each company website and fill out their own quote form. For instance, we'll assume you want to compare rates from , and . To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method.

To view a list of companies in Lewisport, click here.

The most time-consuming method to compare rates is driving around to different agent offices. The internet makes this process obsolete unless you prefer the personal advice only provided by licensed agents. It is possible to compare online quotes and still use a local agent and we'll cover that in a bit.

Whichever method you choose, ensure you are comparing apples-to-apples coverages and limits for each comparison quote. If your comparisons have different deductibles it will be impossible to determine the lowest rate in Lewisport. Slightly different insurance coverages can make a big difference in price. Just remember that quoting more gives you a better chance of getting a lower rate.

The best insurance company isn't always the cheapest

You just learned a lot of ways to get a better price on car insurance. The key thing to remember is the more you quote, the higher the chance of saving money. Consumers may even find the most savings is with an unexpected company.

Discount car insurance is available from both online companies and with local Lewisport insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, don't be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.