Virgie Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of car insurance options in Virgie? You're not the only one! Drivers have so many choices that it can turn into more work than you anticipated to compare prices.

It's important to compare prices at least once a year due to the fact that insurance rates are constantly changing. Just because you found the best deal two years ago a different company probably has better rates today. Starting right now, block out anything you think you know about car insurance because I'm going to teach you the only way to find lower rates on car insurance.

Finding affordable coverage in Virgie is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using this information. Kentucky drivers only need an understanding of the most efficient way to compare prices over the internet.

How much can you save with discounts?

Auto insurance companies don't list all their discounts very well, so here is a list both the well known and the harder-to-find car insurance savings. If you don't get every credit possible, you are throwing money away.

Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Drive Less and Save - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
No Charge for an Accident - Some insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims prior to the accident.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
College Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

It's important to understand that most of the big mark downs will not be given the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, it doesn't quite work that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower car insurance prices.

The following are some of the factors car insurance companies consider when setting rates.

Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men have accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
Do you need the policy add-ons? - There are a ton of extra coverages that you can buy when buying car insurance. Things like vanishing deductibles, towing coverage and term life insurance are examples of these. They may seem good when talking to your agent, but if they're wasting money remove them from your policy.
Multi-policy discounts can save money - Many companies will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to compare other company rates to ensure the best deal. You may still find a better deal by buying car insurance from a different company.
Poor credit can mean higher rates - Credit history is a huge factor in calculating your car insurance rates. If your credit score is not that good, you could potentially save money when insuring your by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Jobs such as doctors, architects and stock brokers tend to have the highest rates in part from job stress and lengthy work days. On the other hand, occupations like actors, students and performers receive lower rates.
Save money with special equipment - Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. Your deductibles are how much you are required to spend in the event of a claim. The more money you are required to pay out-of-pocket, the less your car insurance will be.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Kentucky get pounded daily by advertisements that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings after switching to their company.

But how can every company claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured might be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any driver who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently state the savings. Because of the profiling, drivers should quote coverage with many companies. You cannot predict which car insurance company will give you the biggest savings.

More tips and info about car insurance is available at the Kentucky Department of Insurance website. Visitors are able to learn about insurance regulations, discover disciplinary actions, and read consumer alerts.

Also read more on this Car Insurance FAQ and this page of insurance agents in Virgie.

Best coverage at the best price

When buying insurance coverage, do not skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest price.

Low-cost car insurance can be sourced both online and also from your neighborhood Virgie agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Consumers change insurance companies for any number of reasons including denial of a claim, delays in responding to claim requests, policy cancellation and even delays in paying claims. It doesn't matter what your reason, switching car insurance companies is less work than it seems.