Paducah Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance choices in Paducah? You're not alone. You have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in lower auto insurance prices.

The list below includes some of the items companies use to determine premiums.

  • Do you have enough liability coverage? - The liability section of your policy provides coverage if a jury decides you are liable for damages from an accident. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • An active claims history can cost you - Auto insurance companies in Kentucky provide discounts to drivers who file claims infrequently. If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts passed on to you as lower rates.
  • Traffic citations inflate rates - Whether or not you get tickets has a big impact on rates. Only having one ticket can increase rates by as much as thirty percent. Good drivers get better rates than people who have multiple driving citations. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • With age comes lower rates - Teenage drivers in Kentucky tend to get distracted easily when behind the wheel so auto insurance rates are higher. Older insureds are more responsible, tend to file fewer claims and receive fewer citations.
  • Please use or commuting - The more you drive in a year the more you'll pay to insure your vehicle. Most companies price each vehicle's coverage based on their usage. Vehicles left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy properly reflects the correct driver usage.

Save big with these discounts

Car insurance companies don't always list all available discounts very well, so the following is a list of some of the best known and also the lesser-known auto insurance savings. If you don't get every credit possible, you are paying more than you should be.

  • Organization Discounts - Affiliation with a professional or civic organization could qualify you for a break when buying auto insurance.
  • Federal Government Employee - Employees or retirees of the government can save as much as 8% depending on your company.
  • Military Rewards - Having a deployed family member can result in better rates.
  • Discount for Good Grades - This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Student in College - Children living away from home attending college without a vehicle on campus may qualify for this discount.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.

To choose insurers with the best auto insurance discounts in Kentucky, follow this link.

Auto insurance ads bend the truth

Kentucky drivers can't ignore all the ads that promise big savings by companies like Allstate, GEICO and Progressive. All the companies say the same thing that you can save if you move to them.

But how can every company say the same thing? It's all in the numbers.

All companies are able to cherry pick for the type of driver that makes them money. A good example of a profitable customer might be profiled as between the ages of 30 and 50, has no driving citations, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile must pay higher premiums which usually ends up with business not being written. The ad wording is "customers who switch" not "people who quote" save money. That's the way insurance companies can advertise the savings. This illustrates why you should get as many comparisons as possible. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional detailed information can be read at the Kentucky Department of Insurance website. Kentucky drivers can find out which companies have the most complaints, download brochures, and find disaster information.

Other informative sites include this link for Kentucky auto insurance quotes and this link which helps you find a Paducah agent.

A tidy conclusion

Affordable auto insurance is definitely available on the web and with local Paducah insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, unfair underwriting practices or even poor customer service. Whatever your reason, finding a new auto insurance company is easier than you think.

In this article, we covered many ways to save on auto insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a small mutual company.