How to Find Cheap Marion Auto Insurance

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of auto insurance companies all offering big savings in Marion.

It's important to compare rates occasionally because prices are constantly changing. Just because you had the lowest price a couple years back you will most likely find a better rate today. Forget all the misinformation about auto insurance because we're going to demonstrate the proper way to lower your rates without sacrificing coverage.

How much can you save with discounts?

Companies don't list all their discounts very clearly, so we researched both the well known as well as the least known auto insurance savings. If you're not getting every credit you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with one company you may earn 10% to 20% off each policy.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Good Student - Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
Sign Online - Some insurance companies may give you up to $50 just for signing your application over the internet.
Accident Forgiveness - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a certain period of time.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, it just doesn't work that way.

How much car insurance do I need?

When it comes to buying the best auto insurance coverage for your vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs might need professional guidance.

What is the difference between comprehensive and collision coverage?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Kentucky?
Does my liability insurance cover pulling a trailer or camper?
I have good health insurance, so how much medical payments coverage do I need?
When does my teenage driver need to be added to my policy?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Kentucky get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you switch to their company.

How does each company claim to save you money?

Different companies have a certain "appetite" for the driver that earns them a profit. For instance, a desirable insured might be between 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the way they do. Because of the profiling, you should compare many company's rates. It's impossible to know which company will provide you with the cheapest rates.

Additional detailed information is located at the Kentucky Department of Insurance website. Visitors are able to view agent and company licensing information, find out industry alerts, and file complaints about a company.

And the best car insurance company is...

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford.

We covered many ways to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the least-expected company.

Affordable auto insurance is available both online and also from your neighborhood Marion agents, so compare prices from both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.