Car Insurance in Union, KY - 6 Tricks to Save Money

Finding low-cost Union car insurance on the internet can seem to be impossible for consumers new to buying insurance online. With so many choices of online companies, how can you even start to compare the different rates to find the best available rates?

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. This information will teach you the best way to quote coverages and some tricks to saving. Nevertheless, Kentucky consumers do need to know how companies price insurance differently because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always list every discount in a way that's easy to find, so we researched both the well known and also the lesser-known car insurance savings.

Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Discount for Life Insurance - Larger companies have better rates if you take out life insurance.
Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Payment Method - If you pay your bill all at once instead of paying each month you may reduce your total bill.
Senior Citizens - Mature drivers may be able to get better car insurance rates.
Accident Waiver - A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.

Consumers should know that most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

To see a list of insurance companies who offer car insurance discounts in Union, follow this link.

How to Get Cheap Car Insurance in Union, KY

The are a couple different ways to get quotes from local Union car insurance companies. The best method to find the cheapest insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

The best way to get quotes for comparison is a comparison rater form (click to open form in new window). This method prevents you from having to do boring form submissions for each company you want a rate for. A single, simple form gets rate comparisons from all major companies. It's the fastest way to compare.
A more time consuming way to shop for car insurance online is spending the time to visit the website of each company to complete their respective quote request forms. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker.

For a list of links to companies insuring cars in Union, click here.

It doesn't matter which method you choose, just make sure you use exactly the same information on every quote you get. If you are comparing higher or lower deductibles you can't possibly determine which rate is truly the best in Union. Just a small difference in coverage limits may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will increase your chances of finding the best price.

Insurance agents can help

When choosing the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's.

For example, these questions can help discover whether your personal situation would benefit from an agent's advice.

Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
Who is covered when they drive my vehicle?
Are my tools covered if they get stolen from my vehicle?
Should I buy additional glass protection?
What are the financial responsibility laws in Kentucky?
Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing of big savings after switching to their company. How can each company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer might be between 25 and 40, has no prior claims, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently state the savings. This emphasizes why drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will have the lowest rates.

Affordable insurance is out there

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, unfair underwriting practices or denial of a claim. No matter why you want to switch, finding a new car insurance company is actually quite simple.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability coverage limits only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.

Cost effective car insurance can be purchased both online and also from your neighborhood Union agents, so you should compare both to have the best selection. Some insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

Learn more about car insurance in Kentucky

More tips and info about car insurance is located at the Kentucky Department of Insurance website. Visitors are able to download brochures, view agent and company licensing information, and file complaints about an insurance agent or broker.