Top Ways to Save on Martin Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say there are many people just like you.

You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage at least once a year because rates are constantly changing. Even if you got the lowest rates on your last policy you may be paying too much now. Starting now, block out anything you think you know about car insurance because you're going to learn the tricks you need to know to lower your annual insurance bill.

This information will tell you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Although Kentucky car owners do need to know how companies price insurance differently and use this information to your advantage.

Comprehensive Martin Car Insurance Comparison Quotes

Most major insurance companies like GEICO, State Farm and Progressive provide coverage price quotes on their websites. The process doesn't take a lot of time as you just type in the coverage amounts you desire into the quote form. Behind the scenes, their rating system will obtain credit information and your driving record and gives you a price quote based on these factors. Quoting online makes it a lot easier to compare rates but the process of having to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find a lower rate.

A less time-consuming method to find better car insurance pricing utilizes a single form that obtains quotes from a lot of companies. It's a real time-saver, eliminates form submissions, and makes online shopping much easier to do. After sending your information, it gets priced and you can select any one of the returned quotes.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

If you want to find out how much you're overpaying now, click here and complete the simple form. To compare your current rates, we recommend you type in the coverage information as close as possible to your current policy. This way, you will be getting a fair comparison based on similar coverages.

Learn How to Buy Car Insurance Cheaper

It's important that you understand the rating factors that help determine your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" that factor into rates.

Rate your vehicle for proper use - Driving more miles in a year the more you will pay for car insurance. The majority of insurers rate vehicles based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage shows the proper vehicle usage.
Policy add-ons can waste money - There are a ton of extra coverages that you can buy on your policy. Coverages for personal injury protection, towing coverage and membership fees may be wasting your money. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
Do men or women drive better? - Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations such as reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
Claim-free discounts can add up - If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies in Kentucky give lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the large, substantial claims.
Lower rates with optional equipment - Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records have lower premiums compared to drivers with tickets. Only having one moving violation may increase your cost forty percent or more. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Discounts for married couples - Having a spouse can get you a discount on your car insurance policy. It usually means you are more responsible and it's proven that being married results in fewer claims.

More discounts equal less premium

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically when you quote, but lesser-known reductions have to be inquired about before you get the savings.

Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
No Charge for an Accident - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
Drivers Education - Require your teen driver to complete a driver education course if it's offered in school.
Payment Method - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
Discount for Good Grades - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
Sign Online - A few companies will give a small break for buying your policy over the internet.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of companies who offer car insurance discounts in Kentucky, click this link.

Additional information can be found on the website for the Kentucky Department of Insurance located here. Consumers can file complaints about an insurance agent or broker, discover disciplinary actions, learn about insurance regulations, and download brochures.

Affordable insurance is out there

When you buy insurance online, never reduce needed coverages to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

The cheapest car insurance can be purchased from both online companies in addition to many Martin insurance agents, so you should compare both to have the best selection. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you some good ideas how to lower your car insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the most savings is with the least-expected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .