Free Guide to Paying Less for Smithland Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you're not the only one.

Numerous battle for your business, so it can be very hard to choose a to find the lowest price

It's important to compare prices at least once a year because prices are constantly changing. Even if you got the lowest rates last year you may be paying too much now. So block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

How to Compare Smithland Auto Insurance Costs

There are several ways to compare auto insurance prices and some are easier and takes less work. You could spend your day talking to insurance agencies in Smithland, or you could use the web to accomplish the same thing much quicker.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and each company then gives them pricing. This system prevents you from having to do form submissions for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify which companies you want pricing from. So if you want to select specific providers to compare rates, we put together a list of companies who write auto insurance in Kentucky. Click here for list of insurance companies in Kentucky.

It's up to you how you get prices quotes, just compare the exact same coverage limits and deductibles for every quote you compare. If you are comparing different liability limits then you won't be able to determine the best price in Smithland. Having just a slight variation in coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies will enable you to find the best rates.

How to Lower your Auto Insurance Rates

It's important that you understand the rating factors that go into determining the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate rates.

Discounts for married couples - Having a spouse can actually save you money on your auto insurance policy. It translates into being more responsible and statistics show being married results in fewer claims.
Extra add-on coverages are wasting money - There are many extra coverages that you can buy on your auto insurance policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
Bundling policies can get discounts - Most auto insurance companies will give a discount to customers who have multiple policies with them. It's known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount it's still a good idea to shop around to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
Liability coverage is cheap - Liability insurance provides coverage if ever a court rules you are at fault for personal injury or accident damage. It provides for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount you have to pay, the less your auto insurance will be.
Is your vehicle built for speed? - The performance level of the car you own makes a substantial difference in determining your rates. Low performance passenger models generally receive the lowest base rates, but there are many factors that impact the final cost.
Careful drivers pay lower rates - Your driving citation history impacts your car insurance rates tremendously. Just one moving violation can bump up the cost forty percent or more. Drivers who don't get tickets get better rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.

How much can you save with discounts?

Companies that sell car insurance don't always advertise all their discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known ways to save on auto insurance.

Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
Defensive Driver - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
Club Memberships - Participating in certain professional organizations could trigger savings on auto insurance.
Multi-car Discount - Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
Federal Government Employee - Simply working for the federal government can save as much as 8% with select insurance companies.

A little note about advertised discounts, most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, you won't be that lucky.

For a list of companies offering auto insurance discounts in Smithland, click this link.

Even more information can be found at the Kentucky Department of Insurance website. Kentucky consumers can get help finding coverage, discover disciplinary actions, read consumer alerts, and find out which companies have the most complaints.

Final considerations

Cheaper auto insurance can be found online as well as from independent agents in Smithland, and you need to price shop both so you have a total pricing picture. There are still a few companies who don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, never reduce needed coverages to save money. In many cases, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best price.