Car Insurance in Somerset Kentucky - 6 Tricks to Save Money

If you've never shopped for car insurance online, you may be confused by the vast number of car insurance companies selling insurance in Somerset.

Car Insurance Comparison Rates in Somerset, KY

There are several ways to shop for car insurance, and some are less time-consuming than others. You can spend countless hours talking to agents in Somerset, or you could use the web to achieve your goal.

The majority of car insurance companies take part in a program that allows shoppers to submit their information once, and every company returns a competitive quote. This saves time by eliminating form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you can't choose the providers to get quotes from. So if you prefer to choose from a list of companies for rate comparison, we put together a list of companies who write car insurance in Kentucky. Click to view list.

It's your choice how you get your quotes, but be sure to compare identical information for every company. If you are comparing higher or lower deductibles then you won't be able to decipher which rate is best in Somerset.

How much can you save with these six discounts?

Auto insurance companies don't list every discount very clearly, so we break down both the well known and also the lesser-known savings tricks you should be using. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Accident Forgiveness - Certain companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren't that generous.

To see a list of insurance companies who offer car insurance discounts in Kentucky, click here to view.

How much car insurance do I need?

When choosing adequate coverage for your vehicles, there isn't really a "best" method to buy coverage. Every situation is different.

For example, these questions may help highlight if your insurance needs might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Should I buy only the required Kentucky minimum liability coverage?
  • What are the financial responsibility laws in Kentucky?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Kentucky?

If you're not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Additional Kentucky consumer information

Even more information can be found at the Kentucky Department of Insurance website. Visitors are able to download brochures, file complaints about a company, and file complaints about an insurance agent or broker.