Easy Techniques to Spend Less on Scottsville Car Insurance

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of car insurance companies competing for business in Scottsville.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are a few of the "ingredients" companies use to determine premiums.

Don't buy coverages you don't need - There are many additional coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and motor club memberships are examples of these. These coverages may sound good when talking to your agent, but if you don't need them eliminate them to save money.
Better credit means lower rates - A driver's credit score is a huge factor in determining your rates. If your credit score is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
Poor driving leads to higher costs - Good drivers tend to pay less for car insurance than bad drivers. Just one speeding ticket can increase rates twenty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Teen drivers pay high rates - Youthful drivers in Kentucky are statistically proven to get distracted easily behind the wheel so they pay higher car insurance rates. Adding a youthful driver to your policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and are safer drivers.

Scottsville Car Insurance Quote Comparison

There are several ways to shop for car insurance, but one way is easier and takes less work. You can spend your afternoon talking to insurance companies in Scottsville, or you can stay home and use online quoting to quickly compare rates.

Most of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company provides a quote. This eliminates the need for quote forms to each individual car insurance company. To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is you can't choose which providers to get pricing from. If you would rather choose from a list of companies to compare prices, we have assembled a list of the cheapest car insurance companies in Kentucky. Click here for list of insurance companies in Kentucky.

Whichever way you use, make absolute certain that you use identical coverages and limits for every quote you compare. If you are comparing different deductibles it will be very difficult to determine the best price in Scottsville. Just a small difference in limits can make a big difference in price. And when quoting car insurance, remember that quoting more helps locate a lower rate.

Be sure to get all your discounts

Companies offering auto insurance don't list all available discounts very clearly, so we took the time to find both the well known and the harder-to-find car insurance savings.

Defensive Driver - Successfully completing a defensive driving course can save you 5% or more if your company offers it.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Good Student - This discount can earn a discount of 20% or more. This discount can apply until age 25.
Student in College - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
Auto/Home Discount - If you insure your home and vehicles with one company you may earn at least 10% off all policies.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

To choose insurers offering car insurance discounts in Kentucky, follow this link.

Is there truth in advertising?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies say the same thing that you can save if you switch to them. How does each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that makes them money. For example, a profitable customer might be between the ages of 30 and 50, owns a home, and has great credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay higher prices which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can advertise the savings. This illustrates why you need to get as many quotes as possible. It's just too difficult to predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique.

For example, these questions might point out whether or not you might need an agent's assistance.

Do I really need UM/UIM coverage?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Kentucky?
Do I pay less if my vehicle is kept in my garage?
What are the best liability limits?
Does my policy cover me when driving someone else's vehicle?
Am I getting all the discounts available?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form.

Additional detailed information can be found at the Kentucky Department of Insurance website. Visitors are able to discover disciplinary actions, find out industry alerts, and file complaints about a company.

Final considerations

Affordable car insurance is available both online and with local Scottsville insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We just covered many ways to compare car insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest rates come from a smaller regional carrier.