Car Insurance in Lexington - 6 Discounts You Might be Missing

Finding affordable Lexington car insurance is a challenge for people who are new to comparison shopping online. Drivers have so many choices that it can be a ton of work to locate the lowest price in Lexington.

It's important to get comparison quotes once or twice a year since rates are constantly changing. Even if you got the lowest price last year you may be paying too much now. Forget all the misinformation about car insurance because you're about to find out the only way to eliminate unnecessary coverages and save money.

Comprehensive Car Insurance Comparison in Lexington

Most major insurance companies allow you to get insurance quotes directly from their websites. Getting quotes doesn't take much effort as you just type in the amount of coverage you want as detailed in the form. Behind the scenes, their rating system will obtain credit information and your driving record and generates a price based on these factors.

Online quotes makes it a lot easier to compare rates but the time required to go to multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to perform this step in order to find the best price on car insurance.

There is a better way!

A less time-consuming method to find cheaper rates is to use a quote form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes comparison shopping much simpler. Immediately after submitting the form, it is rated and you can choose your choice of the returned quotes. If you find a better price you can simply submit the application and purchase the new policy. The entire process just takes a couple of minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you duplicate coverages and limits as shown on your current policy. This way, you are getting a rate comparison based on similar coverages.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise all their discounts in a way that's easy to find, so we researched some of the more common and also the lesser-known car insurance savings.

  • Homeowners Pay Less - Owning a house in Lexington may trigger a car insurance policy discount because owning a home shows financial diligence.
  • Military Discounts - Having a deployed family member could mean lower rates.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Bundle and Save - When you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Defensive Driver - Taking a driver safety course could save 5% or more depending on where you live.
  • Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.

Keep in mind that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.

For a list of companies offering car insurance discounts in Lexington, follow this link.

Additional detailed information is located at the Oklahoma Insurance Department website. Consumers can get help finding coverage, view a list of available companies, and read consumer alerts.

compare Lexington car insurance rates

Do the work, save more money

Affordable car insurance can be found from both online companies in addition to many Lexington insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, policy non-renewal and high rates after DUI convictions. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.

When trying to cut insurance costs, it's not a good idea to reduce needed coverages to save money. In many cases, an insured dropped liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy enough coverage at the best price.