Free Guide to Paying Less for Verona Car Insurance Online

No one in their right mind looks forward to paying for car insurance, especially when their premiums are too high.

Popular companies such as GEICO and Progressive constantly bombard you with ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to check car insurance prices occasionally because rates are constantly changing. If you had the lowest price last year you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to find out one of the easiest ways to reduce your cost while improving coverage.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Finding affordable coverage in Verona is quite easy. Nevertheless, Kentucky car owners do need to know the way companies determine prices because it can help you find the best coverage.

Verona car insurance comparison

Finding Car Insurance in Verona, KY

The are a couple different ways to compare quotes from different Verona insurance companies. The best method to find competitive insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  • The recommended way to get quotes is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate forms to each individual car insurance company. A single form will return price quotes from several companies.
  • Another way to shop for car insurance online consists of visiting each company's website to complete their respective quote request forms. For instance, we'll pretend you want to compare , and . To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Verona, click here.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same deductibles and coverage limits on every quote you get. If your comparisons have different values for each quote it's impossible to determine which rate is truly the best in Verona. Having just a slight variation in coverage limits can make a big difference in price. And when quoting car insurance, remember that quoting more will improve the odds of getting better pricing.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Certain discounts will be applied when you quote, but less common discounts must be asked for before you get the savings.

  • College Student - Any of your kids who are attending college without a vehicle on campus can receive lower rates.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Auto/Life Discount - Larger companies have better rates if you take out auto and life insurance together.

Consumers should know that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of companies with the best car insurance discounts in Verona, click this link.

Insurance agents can help

When choosing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone's situation is a little different so this has to be addressed. For example, these questions might point out whether your personal situation might need an agent's assistance.

  • What are Kentucky no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

For more Kentucky car insurance information

Additional car insurance information is located on the website for the Kentucky Department of Insurance located here. Consumers can read enforcement actions against agents and companies, read consumer alerts, download brochures, and learn about specific coverages.