Top Ways to Save on Smilax Auto Insurance

No one in their right mind likes having to buy auto insurance, in particular when they are paying too much. Since consumers have many insurance companies to choose from, it is very difficult to pick the right insurance company.

It's important to compare prices occasionally because prices are constantly changing. Just because you had the best rates last year you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so I'm going to show you some great ways to find affordable auto insurance.

Smilax Auto Insurance Quote Comparison

Comparing auto insurance rates can take hours if you aren't aware of the most efficient way. You can spend countless hours talking about coverages with local insurance agents in Smilax, or you could use the web to get the quickest rates.

The majority of car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing based on that information. This eliminates the need for quote requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The one disadvantage to doing it this way is you don't know exactly the providers you want pricing from. If you would rather choose from a list of companies to receive pricing from, we put together a list of companies who write auto insurance in Kentucky. Click here for list of insurance companies in Kentucky.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverages and limits for each price quote. If the quotes have different deductibles you can't possibly truly determine the lowest rate in Smilax.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you get a quote, but some may not be applied and must be asked for before you will receive the discount. If you don't get every credit you qualify for, you're paying more than you need to.

  • Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Early Signing - Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • Bundle and Save - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies offering auto insurance discounts in Kentucky, follow this link.

How much car insurance do I need?

When choosing coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs may require specific advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I wreck a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

For more Kentucky car insurance information

Additional information can be read on the website for the Kentucky Department of Insurance found here. Kentucky consumers can learn about insurance regulations, find out industry alerts, file complaints about a company, and read consumer alerts.

Additional helpful sites include this site for Kentucky auto insurance information and see this list of insurance agents in Smilax.