Park Hills Car Insurance For Less Than You're Paying Now

Are you intimidated by the sheer number of car insurance choices in Park Hills? You're not the only one! There are so many choices that it can turn into a big hassle to locate the lowest price.

You have some control over your rates

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that could result in better car insurance rates.

  • Liability coverage is cheap - Liability insurance provides coverage if you are found liable for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Do you know your deductibles? - The deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, collision with an animal, or theft. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
  • Poor driving leads to higher costs - Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than bad drivers. Even a single moving violation can boost insurance rates forty percent or more. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Being married is a good thing - Having a spouse can actually save you money on car insurance. Having a spouse means you're more responsible and it's proven that being married results in fewer claims.
  • Where you live can impact rates - Choosing to live in a small town is a positive aspect when talking about car insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents.
  • Pleasure use saves money - The more miles you rack up on your car in a year the more you'll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance policy shows how each vehicle is driven.

Compare Quotes for Park Hills Car Insurance

There are several ways to get quotes from car insurance companies in your area. One of the best ways to find the lowest rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate forms for each company. Filling out one form will return quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to compare rate quotes is to take the time to go to each individual company website to complete a price quote. For examples sake, let's say you want to compare rates from , and . You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

    To view a list of companies in Park Hills, click here.
  3. The most time-consuming method to compare rates is driving to insurance agents' offices. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance of a licensed agent. It is possible to find lower rates online and still use a local agent and we'll cover that in a bit.

However you get your quotes, ensure you are comparing identical coverages and limits for every company. If the quotes have different deductibles it will be impossible to decipher which rate is best in Park Hills. Slightly different coverages may result in a large different in cost. Just remember that getting more free quotes helps locate a lower rate.

Take advantage of discounts

Car insurance companies don't always advertise all available discounts very clearly, so we break down both the well known as well as the least known discounts you could be receiving.

  • Organization Discounts - Being a member of a qualifying organization may earn a discount when buying car insurance.
  • Homeowners Discount - Owning a home in Park Hills can save you money because owning a home is proof that your finances are in order.
  • Discount for Good Grades - This discount can save 20 to 25%. This discount can apply until age 25.
  • No Charge for an Accident - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a certain period of time.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multi-car Discount - Insuring more than one vehicle with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky.

To choose insurers offering car insurance discounts in Kentucky, click here.

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies have a common claim about savings if you switch to their company. How does each company claim to save you money?

Different companies are able to cherry pick for the driver that makes them money. For example, a profitable customer might be a mature driver, has no driving citations, and has great credit. Any new insured that hits that "sweet spot" will get the preferred rates and most likely will save when switching.

Potential insureds who don't qualify for these standards must pay more money and this can result in the customer not buying. The ads state "customers that switch" not "people who quote" save that much. That's the way companies can truthfully advertise the savings. This illustrates why you need to compare as many rates as you can. It's just too difficult to predict which car insurance company will give you the biggest savings.

Even more information can be found at the Kentucky Department of Insurance website. Visitors are able to find out which companies have the most complaints, report car insurance fraud, and file complaints about a company.

Final considerations

Cheaper car insurance is available both online and also from your neighborhood Park Hills agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just covered a lot of techniques to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a small local company.

As you prepare to switch companies, never reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.