Top Ways to Save on Valley Station Auto Insurance

No one in their right mind cherishes buying auto insurance, in particular when the cost is too high.

Consumers have many to buy insurance from, and although it's nice to have a choice, it can be more difficult to compare rates.

It's important to compare rates occasionally because insurance rates are constantly changing. If you had the best rates a few years ago there may be better deals available now. There is a lot of bad information regarding auto insurance online, so I'm going to show you some great ways to stop overpaying for insurance.

Save big with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Most are applied when you quote, but some may not be applied and must be manually applied prior to getting the savings.

  • Accident Forgiveness - Certain companies allow you one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • Bundle and Save - When you have multiple policies with the same company you may earn approximately 10% to 15%.
  • No Accidents - Good drivers with no accidents pay less as compared to frequent claim filers.
  • Sign Online - A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Defensive Driving Course - Taking part in a course in driver safety can save you 5% or more depending on where you live.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down your overall premium however.

For a list of companies with the best auto insurance discounts in Kentucky, click here to view.

Finding Auto Insurance in Valley Station, KY

There are several ways of comparing rate quotes from different Valley Station insurance companies. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for repetitive form entry to each individual auto insurance company. A single form gets you coverage quotes direct from many companies.

A less efficient way to get quotes online consists of going to each individual company website to complete their respective quote request forms. For examples sake, let's say you want to compare , and . To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Valley Station, click here.

It's up to you which method you use, but make absolute certain that you use identical coverages on every quote you get. If the quotes have different limits and deductibles on each one you can't possibly determine which rate is truly the best in Valley Station. Quoting even small variations in limits may result in a large different in cost. And when quoting auto insurance, remember that getting more free quotes helps locate lower pricing.

But I don't know anything about car insurance

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions might point out if your situation could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • Can I still get insurance after a DUI?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Shop smart and save

Affordable auto insurance is definitely available online and also from your neighborhood Valley Station agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, never sacrifice coverage to reduce premiums. In many cases, an insured cut full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price.