Free Guide to Saving Money on Owensboro Auto Insurance Online

Tired of not being able to afford each month for car insurance? You are in the same boat as the majority of other car owners in Kentucky.

Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it can be hard to sift through the bull and find the best price available.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Buying car insurance in Owensboro is quite easy. Nevertheless, Kentucky vehicle owners do need to know the way insurance companies sell online and apply this information to your search.

compare Owensboro auto insurance rates

Save big with these discounts

Car insurance companies don't list every discount in a way that's easy to find, so we took the time to find some of the best known and also the lesser-known auto insurance savings.

  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if offered at their school.
  • No Claims - Claim-free drivers can save substantially when compared to frequent claim filers.
  • Club Memberships - Affiliation with a civic or occupational organization could qualify you for a break when shopping for auto insurance.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Safety Course Discount - Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Multiple Policy Discount - When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way.

For a list of insurance companies with discount auto insurance rates in Owensboro, follow this link.

Compare Owensboro Auto Insurance Costs

There are several ways of comparing rate quotes and find the best price. The recommended way to find the cheapest insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways consumers can analyze rates is to use a rate comparison form click to view form in new window. This method keeps you from doing separate quotes for each company. In just a few minutes this one form gets you price quotes instantly.

A less efficient way to get quotes online requires a trip to the website of each company and fill out their own quote form. For sake of this example, let's say you want rates from , and . You would have to spend time on each company's site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Owensboro, click here.

The least efficient way of getting rate comparisons is driving to and from local Owensboro insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional guidance of a licensed agent. You can, however, compare online quotes and still use a local agent and we'll touch on that later.

Whichever way you use, ensure you're using exactly the same quote information for each comparison quote. If each company quotes mixed coverages you can't possibly determine the lowest rate in Owensboro. Just a small difference in coverage limits could mean much higher rates. And when price shopping your coverage, having more price comparisons will increase your chances of finding a better price.

The best insurance company isn't always the cheapest

Cost effective auto insurance can be sourced on the web in addition to many Owensboro insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies do not provide online quoting and these regional insurance providers work with independent agents.

When shopping online for auto insurance, it's not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.