5 Discounts Smiths Grove Drivers Forget when Buying Car Insurance

Searching for the most affordable Smiths Grove car insurance over the internet may be intimidating for beginners to comparison shopping online. Since there are so many insurers available, how can consumers even start to compare every one to find the cheapest available price?

If you are insured now or are shopping for new coverage, you can learn to get lower rates while maintaining coverages. The purpose of this post is to teach you the best way to quote coverages and some money-saving tips. Kentucky vehicle owners just need to know how to compare rates online.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so we researched both the well known as well as the least known savings tricks you should be using. If you aren't receiving every discount you deserve, you are throwing money away.

Defensive Driving Course - Taking part in a defensive driving course could cut 5% off your bill if you qualify.
Save with a New Car - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.
Auto/Home Discount - If you have multiple policies with one company you could get a discount of approximately 10% to 15%.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn't make money that way.

Insurance agents can help

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

For example, these questions can help discover whether your personal situation could use an agent's help.

Should I rate my vehicle as pleasure use or commute?
Who is covered when they drive my vehicle?
Is my cargo covered for damage or theft?
Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

Save $429 a year? Really?

Consumers in Kentucky get pounded daily by advertisements for car insurance savings by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise that you'll save big if you move to them.

How can each company claim to save you money?

All the different companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer might be over the age of 40, has no prior claims, and has great credit. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements must pay higher premiums and ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save money. This is how companies can advertise the savings. This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Learn more about car insurance in Kentucky

More detailed Kentucky car insurance information is located at the Kentucky Department of Insurance website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, and download brochures.

And the best car insurance company is...

Budget-conscious car insurance is possible both online and with local Smiths Grove insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, extreme rates for teen drivers and even high rates after DUI convictions. No matter why you want to switch, choosing a new insurance company is less work than it seems.