Lower Online Owenton Auto Insurance Prices With These Tips

Comparing Owenton auto insurance rates online can be complicated if you're new to quoting online. Don't let that stop you because finding affordable coverage online is easier than you think.

Save big with these discounts

Companies offering auto insurance don't necessarily list all available discounts very clearly, so we researched some of the best known as well as the least known savings tricks you should be using. If you're not getting every credit you qualify for, you're paying more than you need to.

Defensive Driver - Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Good Student - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
New Vehicle Savings - Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Claim Free - Good drivers with no accidents pay much less when compared with bad drivers.

It's important to note that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you're out of luck.

To see a list of insurers offering auto insurance discounts in Kentucky, click here to view.

Owenton Auto Insurance Quote Comparison

Finding cheaper auto insurance prices is surprisingly easy. You just have to invest a few minutes to compare quotes online with multiple companies. This can be done in several different ways.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for boring form submissions for each company you want a rate for. A single form will return quotes from all major companies. It's definitely the quickest method.
A harder way to get quotes online is to take the time to go to the website for every company you want to comare to complete their respective quote request forms. For example, we'll pretend you want to compare , and . To get each rate you have to visit each site and enter your information, which is why the first method is more popular.

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

It's your choice how you get your quotes, but make absolute certain that you use identical coverages and limits on every quote you get. If you have different deductibles it will be impossible to determine which rate is truly the best in Owenton.

Tips to Get Lower Owenton Rates

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Listed below are a partial list of the pieces used by your company to calculate premiums.

Extra add-on coverages are wasting money - There are many additional coverages that you can get tricked into buying if you aren't careful. Coverages for roadside assistance, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.
High credit ratings translate to low rates - A driver's credit score is a important factor in determining your rates. So if your credit is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.
A clean driving record saves money - Only having one citation can bump up the cost by twenty percent. Drivers who don't get tickets have lower premiums than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to file a SR-22 with the DMV in their state in order to continue driving.
Pleasure use saves money - The more miles you rack up on your car each year the more you'll pay to insure your vehicle. Almost all companies price each vehicle's coverage based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. Double check that your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.

But I don't know anything about car insurance

When choosing the best auto insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different.

These are some specific questions might point out if your situation would benefit from professional advice.

Do I really need UM/UIM coverage?
Does my insurance cover a custom paint job?
Should I buy only the required Kentucky minimum liability coverage?
Can I still get insurance after a DUI?
Are there companies who specialize in insuring high-risk drivers?
Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in Kentucky?

If you're not sure about those questions, you may need to chat with an insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance ads bend the truth

Kentucky drivers can't get away from ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you switch your coverage to them.

How does each company say the same thing?

Insurance companies have a certain "appetite" for the type of customer that is profitable for them. For instance, a profitable customer might be profiled as a mature driver, owns a home, and has a high credit rating. A propective insured who meets those qualifications will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards must pay a higher premium and ends up with business not being written. The ads say "customers that switch" not "people who quote" save that much money. That is how insurance companies can state the savings. This illustrates why drivers must get a wide range of price quotes. It's not possible to predict which company will have the lowest rates.

In the end, you save

Lower-priced auto insurance is available on the web as well as from independent agents in Owenton, and you need to price shop both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There are a lot of situations where an insured cut collision coverage and learned later that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented many tips how you can compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a small local company.

For more Kentucky car insurance information

Additional detailed information is located at the Kentucky Department of Insurance website. Kentucky drivers can discover disciplinary actions, find out industry alerts, and file complaints about a company.

Additional helpful sites include this resource for Kentucky auto insurance prices and this link which helps you find a Owenton agent.