How to Get Cheap Vine Grove Car Insurance

Finding low-cost Vine Grove car insurance over the internet is intimidating for beginners to comparison shopping online. Since there are so many insurers available, how can consumers have a chance to compare every one to find the lowest price?

It's important to compare prices on a regular basis due to the fact that insurance rates are constantly changing. Even if you got the best price last year a different company probably has better rates today. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to get good coverage at a lower rate.

Are you getting all your discounts?

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Most are applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you're not getting every credit you deserve, you are throwing money away.

  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Accident Waiver - Certain companies will forgive one accident before your rates go up if you are claim-free for a set time period.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • E-sign - A few companies may give you up to $50 for buying your policy over the internet.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

Vine Grove car insurance quote

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the different types of things that help determine the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The following are a few of the "ingredients" used by your company to calculate your rates.

  • Multiple policies with one company can save - Many insurers give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount you still need to compare other company rates to verify if the discount is saving money.
  • Pay less if you're married - Having a spouse can get you a discount on your policy. Marriage translates into being more responsible and it's proven that married drivers get in fewer accidents.
  • Pleasure use saves money - Driving more miles in a year's time the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance coverage shows the proper vehicle usage.
  • Older drivers pay less - Youthful drivers in Kentucky are known to be less responsible when driving so they pay higher car insurance rates. If you've ever had to add a youthful driver onto a policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Big city or small town - Residing in small towns and rural areas has it's advantages when talking about car insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident.
  • Do you have a high stress job? - Did you know your occupation can influence how much you pay for car insurance? Occupations like lawyers, business owners and financial analysts have higher average rates because of high stress levels and long work days. Conversely, occupations such as pilots, engineers and performers get better rates.

How can Allstate and Progressive save drivers who switch?

Consumers in Kentucky get pounded daily by advertisements for car insurance savings from the likes of Allstate and Progressive. All the ads make an identical promise about savings after switching your coverage to them.

How does each company claim to save you money?

Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a preferred risk might be over the age of 40, insures multiple vehicles, and drives newer vehicles. Any driver who meets those qualifications receives the best rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate and ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. This is how companies can truthfully claim big savings.

That is why drivers should get quotes from several different companies. You cannot predict which insurance companies will give you the biggest savings.

For more Kentucky car insurance information

Additional information can be found on the Kentucky Department of Insurance website located here. Visitors are able to read consumer alerts, get help finding coverage, and file complaints about an insurance agent or broker.

And the best car insurance company is...

When trying to cut insurance costs, never skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage only to discover later that it was a big mistake. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Cheap car insurance can be purchased both online as well as from independent agents in Vine Grove, and you need to comparison shop both to have the best rate selection. A few companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

People change insurance companies for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, delays in paying claims and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.