9 Money Saving Ideas Shown to Save on Car Insurance Costs in Liberty

Scraping up a payment for overpriced car insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

There are many to buy insurance from, and although it's a good thing to have a choice, it makes it harder to compare rates.

Finding affordable coverage in Liberty is easy if you know what you're doing. If you have car insurance now, you will be able to reduce your rates substantially using this information. But Kentucky consumers do need to know the way insurance companies market on the web.

Liberty Car Insurance Prices Online

The are a couple different ways to get quotes from local Liberty car insurance companies. The recommended way to find the cheapest insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is a comparison rater form (click to open form in new window). This type of form keeps you from doing a different quote for every car insurance company. One form submission gets you coverage quotes .

A more time consuming way to shop for car insurance online consists of going to the website of each company and fill out their own quote form. For sake of this example, let's say you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Liberty, click here.

However you get your quotes, ensure you are comparing identical coverages for each comparison quote. If you enter different limits and deductibles on each one it will be next to impossible to determine the lowest rate in Liberty. Slightly different insurance coverages can make a big difference in price. Just remember that quoting more helps locate lower pricing.

Policy discounts you shouldn't miss

Car insurance companies do not list every discount very clearly, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Accident Free - Drivers who don't have accidents pay less when compared to frequent claim filers.
  • Own a Home - Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Government Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • Distant Student - Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
  • Multiple Policy Discount - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Air Bag Discount - Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Low Mileage Discounts - Keeping the miles down could qualify for a substantially lower rate.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates it's possible to get free car insurance, companies wouldn't make money that way.

For a list of insurance companies with the best car insurance discounts in Kentucky, click here.

More detailed Kentucky car insurance information can be read at the Kentucky Department of Insurance website. Visitors are able to read industry bulletins, report car insurance fraud, read enforcement actions against agents and companies, and file complaints about a company.

Do the work, save more money

Budget-conscious car insurance is definitely available both online and with local Liberty insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.