Tightwads Instructions on Saving on Pewee Valley Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many people just like you. Lots of contend to insure your vehicles, so it can be very hard to choose a to get the lowest price

If you have a policy now or need a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Finding affordable coverage in Pewee Valley is easy if you know what you're doing. Kentucky vehicle owners just need to know the most efficient way to compare rates on the web.

How to Compare Auto Insurance in Pewee Valley, Kentucky

Getting better auto insurance pricing is surprisingly easy. Consumers just need to take the time comparing price quotes online with multiple companies. This is very easy and can be done using a couple different methods.

The first (and easiest) way to find low rates is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form entry for every auto insurance company. Filling out one form gets you price quotes direct from many companies.

A more difficult way to shop for auto insurance online requires a trip to each individual company website and request a quote. For instance, we'll assume you want to compare rates from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in Pewee Valley, click here.

The least recommended method of getting rate comparisons is to waste gas driving to local Pewee Valley insurance agencies. Shopping for auto insurance online makes this process obsolete unless you require the personal advice of a local Pewee Valley agent. However, consumers can compare the best prices online but buy from a local insurance agent. We'll cover that shortly.

It's your choice how you get your quotes, but ensure you are comparing the exact same quote information with every price quote. If your comparisons have mixed coverages it's not possible to find the best deal in Pewee Valley.

Tips to Get Lower Pewee Valley Rates

It's important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in lower auto insurance prices.

Shown below are a few of the "ingredients" used by your company to calculate premiums.

Don't sacrifice liability coverage - Your policy's liability coverage provides coverage if a court rules you are at fault for personal injury or accident damage. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Don't get talked into coverage you don't need - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.
Careful drivers pay lower rates - Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation can bump up the cost by twenty percent. Drivers who don't get tickets have lower premiums than their less careful counterparts. Drivers with dangerous tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
Never let your coverage lapse - Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
Do you work long hours in a high stress job? - Occupations such as lawyers, business owners and accountants have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, occupations like actors, athletes and retirees get better rates.
Older drivers save more - Older insureds are more responsible, tend to file fewer claims and are safer drivers. Teen drivers have a tendency to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.

Policy discounts you shouldn't miss

Companies do not list all available discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If they aren't giving you every credit possible, you're just leaving money on the table.

Club Memberships - Participating in certain professional organizations is a good way to get lower rates when buying auto insurance.
Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
Discount for Good Grades - Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
Seat Belts Save - Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
Federal Government Employee - Simply working for the federal government can save as much as 8% depending on your company.
Student in College - Kids in college who attend school more than 100 miles from home and don't have a car can receive lower rates.
Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
Student Driver Training - Require your teen driver to enroll in driver's education if offered at their school.
Save over 55 - Older drivers may receive a small decrease in premiums.
Discount for New Cars - Adding a new car to your policy can save up to 30% since new cars are generally safer.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn't make money that way.

For a list of insurers with discount auto insurance rates in Pewee Valley, click here to view.

More detailed Kentucky auto insurance information can be found at the Kentucky Department of Insurance website. Kentucky consumers can find out which companies have the most complaints, discover disciplinary actions, file complaints about a company, and find a variety of consumer forms.

Best coverage at the best price

Budget-conscious auto insurance can be sourced online as well as from independent agents in Pewee Valley, and you should compare price quotes from both to have the best rate selection. Some insurance providers don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, never reduce needed coverages to save money. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

You just read many tips how you can lower your auto insurance rates. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest rates come from the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like .