Finding the Cheapest Stone Auto Insurance

No one in their right mind looks forward to paying for auto insurance, especially knowing they are paying too much. Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with TV and radio ads and it can be hard to sift through the bull and do the work needed to find the best deal.

It's important to compare prices periodically since insurance rates are constantly changing. Even if you think you had the best rates on your last policy you may be paying too much now. There is a lot of bad advice regarding auto insurance on the internet, so we're going to give you some great ways to slash your auto insurance rates.

How to Get Stone Auto Insurance Comparison Quotes

Getting better auto insurance pricing isn't really that difficult. You just have to invest a few minutes getting comparison quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quote forms for each company you want a rate for. Just one form will get you price quotes from many national carriers.

A harder way to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For example, let's say you want to compare , and . To get each rate you have to visit each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Stone, click here.

It doesn't matter which method you choose, just be sure to compare exactly the same coverage limits for each comparison quote. If you have differing limits you can't possibly determine the lowest rate in Stone.

How to Lower your Auto Insurance Rates

It's important that you understand the rating factors that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Do you know you're credit rating? - Your credit score is a big factor in determining your rates. People with excellent credit tend to be more responsible than drivers with lower credit ratings. So if your credit is low, you could be paying less to insure your by improving your credit score.
A clean driving record saves money - Even a single ticket can bump up the cost forty percent or more. Drivers who don't get tickets get better rates than their less careful counterparts. Drivers who get dangerous violations such as DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
Safer cars are cheaper to insure - Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.
Keep rates low by being claim-free - Insurance companies in Kentucky give cheaper rates to insureds who do not file claims often. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for larger claims.

Save big with these discounts

Car insurance companies don't always advertise every available discount in a way that's easy to find, so the following is a list of some of the best known and also the lesser-known ways to save on auto insurance. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Braking Control Discount - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
Passive Restraints - Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
Low Mileage - Low mileage vehicles could qualify for better rates on cars that stay parked.
Drivers Ed for Students - Require your teen driver to take driver's ed class if offered at their school.
Claim Free - Good drivers with no accidents pay less compared to frequent claim filers.
Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

For a list of providers with discount auto insurance rates in Stone, click this link.

But I don't know anything about car insurance

When it comes to choosing coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else's so this has to be addressed. These are some specific questions may help highlight if your situation may require specific advice.

Does my insurance cover a custom paint job?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving on a suspended license?

If it's difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It's fast, free and you can get the answers you need.

Even more information can be read at the Kentucky Department of Insurance website. Kentucky drivers can find out industry alerts, file complaints about a company, find disaster information, and download brochures.

Best coverage at the best price

When you buy insurance online, it's not a good idea to reduce needed coverages to save money. Too many times, someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Throughout this article, we presented many ideas to lower your auto insurance rates. It's most important to understand that the more quotes you get, the better chance you'll have of finding lower rates. Drivers may discover the biggest savings come from a small mutual company. Smaller companies may cover specific market segments cheaper than their larger competitors like .

Cheaper auto insurance is attainable on the web as well as from independent agents in Stone, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don't offer online quoting and many times these small insurance companies only sell through independent insurance agents.