Finding Low-Cost Louisa Auto Insurance

I can't think of anyone who enjoys paying for auto insurance, in particular when their premiums are too high.

Because you have many companies and agents to choose from, it's difficult to find the cheapest car insurance company.

It's important to do rate comparisons periodically because prices are constantly changing. Just because you found the lowest price on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you're about to learn how to use online quotes to find the best coverage while lowering your premiums.

Choosing the best insurance company for you in Louisa is not that difficult. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. Although Kentucky drivers do need to know the way insurance companies sell online because it can help you find the best coverage.

Why some people pay less for insurance in Louisa

Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine your rates.

Your credit rating is important - Your credit history is a huge factor in determining your rates. Therefore, if your credit history is not that good, you could save money insuring your by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Careful drivers pay lower rates - Even a single citation can increase rates forty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Both sexes cause accidents in similar numbers, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
What are your deductibles? - Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. Physical damage deductibles are the amount of money you are required to spend in the event of a claim. The more you're willing to pay, the lower your rates will be.

How to Get Louisa Auto Insurance Comparison Quotes

All major auto insurance companies provide pricing on their websites. This process is pretty easy as you simply enter your personal and coverage information into the quote form. After the form is submitted, the company's rating system will obtain your credit score and driving record and returns a price quote. This makes comparing rates easy, but the process of having to visit several different sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

The preferred way to compare rates uses one form to return rates from more than one company. It's a real time-saver, reduces the work, and makes online quotes much more enjoyable. After sending your information, it gets priced and you can select any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and enter your information. If you have coverage now, it's recommended you input the coverage information as close as possible to your current policy. This makes sure you will have comparison quotes for the exact same coverage.

More discounts equal less premium

Companies that sell car insurance don't always advertise every available discount very well, so we researched both well-publicized and the harder-to-find ways to save on auto insurance.

Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Good Student - This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Accident Forgiveness - Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a set time period.
Multiple Vehicles - Having multiple vehicles with the same company qualifies for this discount.
E-sign - A few companies will discount your bill up to fifty bucks for buying your policy online.
Organization Discounts - Participating in a professional or civic organization could trigger savings on your policy.
Payment Method - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

To choose providers who offer auto insurance discounts in Kentucky, click this link.

Switch companies and save? Really?

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads make the same claim about savings after switching to them. But how can every company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that makes them money. For instance, a preferred risk could possibly be a mature driver, a clean driving record, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who do not match this ideal profile will be charged higher prices which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save money. That is how companies can truthfully advertise the savings. That is why you need to get quotes from several different companies. It's impossible to know which company will fit your personal profile best.

It's not one size fits all

When buying the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Kentucky?
Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Even more information is located at the Kentucky Department of Insurance website. Kentucky consumers can find out industry alerts, file complaints about a company, learn about insurance regulations, and report car insurance fraud.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Louisa insurance agents.

Final considerations

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. Too many times, someone dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

You just read some good ideas how to compare auto insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

The cheapest auto insurance can be sourced online and with local Louisa insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.