Russell Car Insurance For Less Than You're Paying Now

Purchasing the most affordable Russell car insurance on the internet is rather challenging for consumers not familiar with online price comaprisons. When there are so many insurance companies available, how can you have a chance to compare every company to locate the best pricing?

It's important to compare rates on a regular basis due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates a couple years back you can probably find a better price now. Don't believe everything you read about car insurance on the internet, so I'm going to show you some great ways to quit paying high car insurance rates.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that may reward you with big savings.

The following are some of the items car insurance companies consider when setting rates.

More miles equals more premium - Driving more miles in a year's time the more you will pay for car insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your car insurance coverage shows the proper vehicle usage.
Marriage pays dividends - Getting married can get you a discount when buying car insurance. It means you're more responsible and it's statistically proven that married drivers get in fewer accidents.
With age comes lower rates - Youthful drivers in Kentucky are known to be more careless when driving so they pay higher car insurance rates. If you've ever had to add a teenage driver to your car insurance policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
Big city or small town - Residing in less populated areas can be a good thing when talking about car insurance. City drivers regularly have much more traffic and longer commute times. Fewer drivers translates into fewer accidents and a lower car theft rate.
Extra add-on coverages are wasting money - There are a ton of add-on coverages that you can buy when buying car insurance. Coverages for rental car reimbursement, towing coverage and term life insurance are examples of these. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.
Better crash test results mean better rates - Vehicles with good safety scores are cheaper to insure. These vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates.

These discounts can lower your rates

Companies offering auto insurance don't necessarily list all their discounts very clearly, so the following is a list of both the well known and the more hidden car insurance savings.

Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Sign Online - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
College Student - Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Driver Safety - Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
Drive Less and Save - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To choose companies who offer car insurance discounts in Kentucky, follow this link.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to say the same thing about savings after switching to their company. How does each company claim to save you money?

All the different companies have a preferred profile for the driver that makes them money. A good example of a desirable insured might be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "people who switch" not "everybody who quotes" save that much. This is how companies can truthfully advertise the way they do. Because of the profiling, you should get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest rates.

For more Kentucky car insurance information

Even more information can be read at the Kentucky Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, and read enforcement actions against agents and companies.

Other informative sites include Wikipedia and this page where you can research Russell insurance agents.

Do the work, save more money

As you go through the steps to switch your coverage, make sure you don't buy poor coverage just to save money. In many instances, drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at an affordable rate.

Cheap car insurance can be bought both online and also from your neighborhood Russell agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for many reasons like delays in paying claims, an unsatisfactory settlement offer, not issuing a premium refund or even delays in responding to claim requests. Regardless of your reason for switching companies, finding the right car insurance provider is easier than you think.