How to Know You're Wasting Money for Auto Insurance in Taylorsville

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you many Taylorsville consumers feel financially strained by their auto insurance policy.

Numerous battle for your insurance dollar, so it can be very hard to choose a to get the lowest rate

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Finding affordable coverage in Taylorsville is easy if you know what you're doing. But Kentucky drivers do need to know the way companies sell online because it can help you find the best coverage.

How to Compare Auto Insurance in Taylorsville, Kentucky

There are several ways to compare auto insurance prices but some are less time-consuming than others. You could spend your day discussing policy coverages with agents in Taylorsville, or you can stay home and use the internet to get pricing more quickly.

All the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company returns a rated price based on the submitted data. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of form is you can't choose which companies you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have a page of the cheapest auto insurance companies in Kentucky. Click to view list.

It's up to you which method you use, but ensure you are comparing the exact same quote information with each company. If each company quotes mixed coverages it will be very difficult to make an equal comparison in Taylorsville. Quoting even small variations in insurance coverages may result in large price differences. Just remember that comparing more company's prices will increase your chances of finding the best offered rates.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the different types of things that help determine the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in big savings.

The following are a partial list of the pieces that factor into premiums.

  • Don't sacrifice liability coverage - Liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Pay less if you're married - Having a wife or husband can get you a discount on your policy. Having a spouse usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Choose a safe vehicle and save - Vehicles with good safety scores can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you.
  • Save money with special equipment - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Better credit scores mean better rates - A driver's credit history is a huge factor in calculating your auto insurance rates. If your credit history is not that good, you could be paying less to insure your by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores.
  • Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations such as judges, business owners and accountants are shown to have higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, occupations like actors, athletes and performers pay the least.

Be sure to get all your discounts

Car insurance companies don't always advertise all available discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find savings tricks you should be using.

  • Club Memberships - Participating in certain professional organizations is a good way to get lower rates when buying auto insurance.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Student Driver Training - Require your teen driver to enroll in driver's education if it's offered in school.
  • No Claims - Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
  • Homeowners Discount - Owning a home in Taylorsville can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn't make money that way.

For a list of insurers who offer auto insurance discounts in Taylorsville, click here to view.

More detailed Kentucky auto insurance information is located at the Kentucky Department of Insurance website. Kentucky consumers can find out which companies have the most complaints, get help finding coverage, find disaster information, and view a list of available companies.

Final considerations

Budget-conscious auto insurance can be sourced online in addition to many Taylorsville insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a smaller regional carrier. Smaller companies may only write in your state and offer lower rates compared to the large companies like .