6 Ways to Save on Car Insurance in Summer Shade Kentucky

If you are a novice to online car insurance shopping, you may be confused due to the large number of car insurance companies all offering big savings in Summer Shade.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Some trigger automatically when you quote, but less common discounts must be inquired about prior to getting the savings. If you're not getting every credit you qualify for, you are throwing money away.

Military Rewards - Having a deployed family member may qualify for rate reductions.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Multiple Policy Discount - If you have multiple policies with one company you may earn at least 10% off all policies.
Save with a New Car - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique.

For example, these questions might point out whether or not you would benefit from an agent's advice.

Am I covered when pulling a rental trailer?
Do I need PIP (personal injury protection) coverage in Kentucky?
Why does it cost so much to insure a teen driver in Summer Shade?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Can I still get insurance after a DUI?
What can I do if my company won't pay a claim?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Is there truth in advertising?

Consumers in Kentucky get pounded daily by advertisements for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all say the same thing about savings after switching to them.

How does each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For example, a driver they prefer might be between 25 and 40, owns a home, and has great credit. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be quoted a higher premium which usually ends up with the customer not buying. The ads state "drivers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully advertise the savings.

This emphasizes why drivers should get quotes from several different companies. It's just too difficult to predict which company will fit your personal profile best.

For more Kentucky car insurance information

Additional information can be found on the Kentucky Department of Insurance website. Click here for link. Visitors are able to view a list of available companies, read consumer alerts, and read enforcement actions against agents and companies.

A tidy conclusion

Consumers change insurance companies for any number of reasons including unfair underwriting practices, policy cancellation, not issuing a premium refund and even policy non-renewal. Regardless of your reason, switching car insurance companies is less work than it seems.

When you buy insurance online, it's very important that you do not skimp on coverage in order to save money. There have been many situations where an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

Cheaper car insurance can be bought both online and with local Summer Shade insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.