10 Discounts Stanton Shoppers Forget when Buying Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are lots of people in the same boat.

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

It's important to check car insurance prices every six months since rates are constantly changing. If you had the lowest rates a year ago you may be paying too much now. Starting now, block out anything you think you know about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Stanton is easy if you know what you're doing. But Kentucky car owners do need to know the way companies determine prices and use this information to your advantage.

Compare Quotes for Stanton Car Insurance

There are several ways to compare car insurance prices and some are more efficient than others. You could spend your day talking to agents in Stanton, or you could save time and use the internet to accomplish the same thing much quicker.

All the larger companies participate in an industry program that allows shoppers to send in one quote, and at least one company then returns a price quote. This prevents consumers from doing 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 using this type of system is you can't choose which companies you want to price. If you prefer to choose specific providers for rate comparison, we have a page of car insurance companies in Kentucky. View list of Kentucky insurance companies.

Whichever method you choose, ensure you are comparing the exact same deductibles and coverage limits on every quote. If you compare different values for each quote it will be impossible to make a fair comparison in Stanton. Slightly different insurance coverages can make a big difference in price. Just remember that quoting more will enable you to find better pricing.

Kentucky car insurance quotes

How much can you save with these ten discounts?

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be specifically requested before they will apply.

  • Life Insurance Discount - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Club Memberships - Belonging to certain professional organizations may earn a discount on car insurance.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Homeowners Discount - Owning a house in Stanton can save you money because of the fact that having a home is proof that your finances are in order.
  • No Charge for an Accident - A few companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
  • 55 and Retired - Older drivers can possibly qualify for reduced rates.

Drivers should understand that some credits don't apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will cut the amount you have to pay.

For a list of companies with the best car insurance discounts in Stanton, click here.

Much more information about car insurance in Kentucky can be found on the website for the Kentucky Department of Insurance located here. Consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.

The best insurance company isn't always the cheapest

While you're price shopping online, never reduce needed coverages to save money. In many instances, someone sacrificed uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Budget-conscious car insurance is possible from both online companies and with local Stanton insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.