Top 9 Ways You Can Buy Car Insurance for Less in St Matthews

Having to pay for overpriced car insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. Numerous battle for your hard-earned dollar, and because of this it can be hard to compare and uncover the absolute lowest price

If you have a current car insurance policy or are looking for a new policy, you can learn to find better prices while maintaining coverages. Buying car insurance in St Matthews is quite easy. Kentucky drivers only need an understanding of the proper methods to get comparison quotes over the internet.

Take advantage of discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. A few discounts will automatically apply when you quote, but some may not be applied and must be manually applied prior to getting the savings. If they aren't giving you every credit you deserve, you are throwing money away.

Driver Safety - Taking a defensive driving course could cut 5% off your bill if you qualify.
Student in College - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Paperless Signup - Some insurance companies may give you up to $50 simply for signing on their website.
Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
Life Insurance Discount - Larger companies have lower rates if you buy life insurance from them.
Save with a New Car - Putting insurance coverage on a new car is cheaper compared to insuring an older model.
No Accidents - Drivers who don't have accidents pay less when compared with drivers who are more careless.
Fewer Miles Equal More Savings - Fewer annual miles could qualify for a substantially lower rate.
Own a Home - Owning a home in St Matthews can save you money due to the fact that maintaining a home demonstrates responsibility.

It's important to understand that some credits don't apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will cut your overall premium however.

How to know if you need help

When it comes to buying coverage for your personal vehicles, there is no "best" method to buy coverage. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need professional guidance.

Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in St Matthews?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Is my cargo covered for damage or theft?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It's fast, doesn't cost anything and can provide invaluable advice.

Are car insurance companies telling the truth?

Consumers in Kentucky get pounded daily by advertisements for car insurance savings by 21st Century, Allstate and State Farm. All the companies have a common claim of big savings after switching to their company.

How do they all claim to save you money?

Different companies have a preferred profile for the driver that earns them a profit. A good example of a profitable customer might be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" receives the best rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile must pay a higher premium and this can result in the customer not buying. Company advertisements say "people who switch" not "people who quote" save that much. This is how insurance companies can confidently advertise the way they do.

This illustrates why drivers should compare as many rates as you can. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Additional car insurance information can be read on the website for the Kentucky Department of Insurance through this link. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, get help finding coverage, and report car insurance fraud.

And the best car insurance company is...

Low-cost car insurance can be sourced both online and also from your neighborhood St Matthews agents, so compare prices from both to have the best rate selection. Some car insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.