Consumer Tested Strategies to Save on Russellville Auto Insurance

No one enjoys paying for auto insurance, particularly when they are paying too much. With so many choices, it's difficult to locate the most affordable car insurance company.

Save big with these discounts

Companies that sell car insurance don't always publicize all available discounts very well, so here is a list both the well known as well as the least known savings tricks you should be using. If you don't get every credit you qualify for, you are throwing money away.

Homeowners Savings - Owning a home in Russellville can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
Auto/Home Discount - If you have multiple policies with the same company you may earn up to 20% off your total premium.
Paperless Signup - Certain companies may give you up to $50 for buying your policy online.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Claim Free - Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you won't be that lucky.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are some of the factors used by your company to calculate premiums.

What are your deductibles? - Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more money you have to pay, the lower your rates will be.
Cautious drivers pay less - Drivers who don't get tickets have lower premiums compared to drivers with tickets. Even one moving violation can bump up the cost twenty percent or more. Drivers with flagrant tickets such as DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to keep their license.
Where you live can impact rates - Living in a rural area is a positive aspect when talking about auto insurance. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
Pay less if you're married - Being married can get you a discount on your policy. Having a spouse translates into being more responsible and it's proven that married couples file fewer claims.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different so your insurance should reflect that These are some specific questions may help highlight if your situation might need an agent's assistance.

When do I need to add a new car to my policy?
Should I buy only the required Kentucky minimum liability coverage?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Kentucky?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

Auto insurance ads bend the truth

Consumers in Kentucky get pounded daily by advertisements for cheaper car insurance from the likes of Allstate, GEICO and Progressive. All the companies make an identical promise about savings after switching your coverage to them.

But how can every company claim to save you money?

All companies have a certain "appetite" for the type of customer that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, a clean driving record, and has a short commute. A customer getting a price quote who meets those qualifications receives the best rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile must pay higher prices and ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much money. That is how companies can truthfully make the claims of big savings. This illustrates why drivers should get quotes from several different companies. It's impossible to know which company will fit your personal profile best.

Even more information is available at the Kentucky Department of Insurance website. Visitors are able to report car insurance fraud, file complaints about a company, view agent and company licensing information, and get help finding coverage.

Also read more on this page for Kentucky auto insurance and this page for help finding agents in Russellville, KY.

Best coverage at the best price

Cheaper auto insurance can be purchased both online as well as from independent agents in Russellville, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We covered some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small local company. Regional companies may cover specific market segments cheaper than their larger competitors like .

As you shop your coverage around, don't be tempted to skimp on coverage in order to save money. In too many instances, someone dropped comprehensive coverage or liability limits to discover 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.