How to Find Cheap Southgate Auto Insurance

If online auto insurance comparisons are new to you, you can be overwhelmed by the hoards of auto insurance companies competing for business in Southgate.

It's important to compare prices periodically because prices are constantly changing. Despite the fact that you may have had the best rates a year ago there is a good chance you can find better rates now. Don't believe everything you read about auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women are in accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high auto insurance rates.
Careful drivers pay lower rates - Just one ticket can boost insurance rates twenty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to keep their license.
Teen drivers pay high rates - Teen drivers in Kentucky are known to be more careless behind the wheel so they pay higher auto insurance rates. If you've ever had to add a teenage driver to your auto insurance policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
Please use or commuting - Driving more miles each year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Cars that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance coverage shows the proper vehicle usage.

Southgate Auto Insurance Comparisons

All major auto insurance companies like State Farm, GEICO and Progressive provide coverage prices directly from their websites. This process is quite simple as you just type in your personal and coverage information as detailed in the form. After the form is submitted, the company's rating system will obtain credit information and your driving record and returns a price based on these and other factors.

This helps simplify price comparisons, but having to visit different websites and fill out multiple forms can be a bit repetitive. But it's very important to have as many quotes as possible if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to compare rates uses one form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes online quotes a little more enjoyable. After your information is entered, it gets priced and you can select any one of the resulting price quotes. If you find a better price it's easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate your coverages as close as possible to your current policy. This makes sure you will have a price comparison for the exact same coverage.

Are you getting all your discounts?

Companies don't always list all their discounts very clearly, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you're not getting every credit you qualify for, you are paying more than you should be.

Accident Forgiveness - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
Good Student - This discount can save 20 to 25%. The good student discount can last well after school through age 25.
College Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
Multiple Vehicles - Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
Early Switch Discount - Some companies give discounts for switching policies prior to your current policy expiration. It's a savings of about 10%.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky.

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

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

Kentucky consumers can't ignore all the ads for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to have a common claim about savings after switching to their company.

How does each company make almost identical claims? It's all in the numbers.

Different companies have a certain "appetite" for the driver that makes them money. A good example of a desirable insured could possibly be a mature driver, a clean driving record, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ads say "customers who switch" not "everybody who quotes" save that much. That is how companies can truthfully make those claims. Because of the profiling, you need to get a wide range of price quotes. It's impossible to know which company will have the lowest rates.

Tailor your coverage to you

When buying coverage for your vehicles, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's.

For instance, these questions may help highlight whether you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Kentucky?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?
Does my car insurance cover rental cars?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Even more information can be read at the Kentucky Department of Insurance website. Kentucky consumers can learn about insurance regulations, file complaints about a company, and read enforcement actions against agents and companies.

Other informative sites include this site for Kentucky auto insurance information and see this list of insurance agents in Southgate.

In the end, you save

Cheaper auto insurance can be bought online and also from your neighborhood Southgate agents, and you need to price shop both to have the best selection. Some companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

You just read a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with a small mutual company.

While you're price shopping online, make sure you don't reduce coverage to reduce premium. In many cases, someone dropped full coverage and found out when filing a claim they didn't purchase enough coverage. Your aim should be to find the BEST coverage at the best price.