5 Ways You Can Buy Car Insurance for Less in Radcliff Kentucky

Saving money on Radcliff car insurance is difficult for consumers not familiar with shopping for insurance online. People have so many choices that it can turn into a lot of work to locate the lowest price in Radcliff.

Compare Radcliff Car Insurance Costs

There are several ways to get quotes and find the best price. 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 using a couple different methods.

  1. The fastest way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form eliminates the need for repetitive form submissions for every car insurance company. In just a few minutes this one form gets you price quotes from multiple companies. This is perfect if you don't have a lot of time.
  2. A more time consuming way to get quotes online requires visiting each individual company website to complete their respective quote request forms. For examples sake, we'll assume you want rates from , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

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

Whichever method you choose, ensure you're using the exact same quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Radcliff. Slightly different coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices will enable you to find the best offered rates.

Save big with these 5 discounts

Companies don't always advertise all available discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Organization Discounts - Being a member of certain professional organizations may earn a discount when buying car insurance.
  • No Claims - Claim-free drivers pay less when compared with accident-prone drivers.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy on their website.
  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

To choose insurers who offer car insurance discounts in Radcliff, click here.

Car insurance ads bend the truth

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies have a common claim about savings after switching your policy. How do they all claim to save you money?

All companies can use profiling for the right customer that makes them money. A good example of a profitable customer might be over the age of 50, is a homeowner, and has excellent credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile must pay a higher premium and this can result in the customer not buying. The ads state "customers that switch" not "people who quote" save that kind of money. That's why companies can truthfully make those claims. This illustrates why you need to get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

Even more information can be read at the Kentucky Department of Insurance website. Visitors are able to find out which companies have the most complaints, read industry bulletins, and get help finding coverage.

Affordable insurance is out there

Cheaper car insurance can be sourced both online in addition to many Radcliff insurance agents, and you should be comparing both to have the best rate selection. Some companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, high rates after DUI convictions, an unsatisfactory settlement offer or even lack of trust in their agent. Whatever your reason, choosing a new insurance company is easier than you think.

While you're price shopping online, never reduce coverage to reduce premium. In too many instances, an accident victim reduced full coverage and found out when filing a claim they didn't purchase enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.