Car Insurance in Simpsonville - 5 Discounts to Save Money

Are you overwhelmed by the number of car insurance company choices in Simpsonville? Many other drivers are as well. You have so many choices that it can turn into more work than you anticipated to find better rates.

It's important to shop coverage around at least once a year since rates are constantly changing. Even if you got the best deal last year you can probably find a better price now. So block out anything you think you know about car insurance because we're going to show you the proper way to find better rates and still maintain coverage.

Are you getting all your discounts?

Companies don't always advertise all their discounts very clearly, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you're not getting every credit possible, you are paying more than you should be.

Life Insurance Discount - Some companies give a discount if you purchase life insurance.
Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
No Charge for an Accident - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
Bundle and Save - If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.

Keep in mind that some credits don't apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it just doesn't work that way.

To choose companies who offer car insurance discounts in Kentucky, click here.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers can't ignore all the ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim that you can save after switching your coverage to them.

How does each company make the same claim? It's all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured could be between the ages of 30 and 50, has no tickets, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money and this can result in business going elsewhere. The ad wording is "customers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can advertise the savings. Because of the profiling, you should compare many company's rates. It's just too difficult to predict which car insurance company will give you the biggest savings.

Find out more about car insurance

Additional detailed information is available at the Kentucky Department of Insurance website. Consumers can file complaints about an insurance agent or broker, discover disciplinary actions, and learn about insurance regulations.

And the best car insurance company is...

As you prepare to switch companies, never buy poor coverage just to save money. In many instances, an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best price.

Affordable car insurance can be purchased from both online companies as well as from independent agents in Simpsonville, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who don't offer online price quotes and most of the time these smaller companies sell through independent agents.

You just learned a lot of ways to save on car insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small mutual company.