Compare Water Valley Auto Insurance Prices With These Tricks

Are you intimidated by the number of auto insurance companies in Water Valley? You're not the only one! You have so many options available that it can turn into more work than you anticipated to locate the lowest price.

It's important to check auto insurance prices every six months because prices are constantly changing. Just because you found the best deal a couple years back you will most likely find a better rate today. So just block out anything you think you know about auto insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.

If you have a policy now or are looking for a new policy, you can learn to get lower rates and possibly find even better coverage. The purpose of this article is to help educate you on how car insurance quotes work. Kentucky drivers only need an understanding of the most efficient way to shop their coverage around on the web.

More discounts equal less premium

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings. If they aren't giving you every credit possible, you are throwing money away.

  • Save over 55 - If you qualify as a senior citizen, you may receive reduced rates.
  • Clubs and Organizations - Participating in certain professional organizations is a good way to get lower rates on auto insurance.
  • Homeowners Discount - Owning a house in Water Valley can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.

It's important to understand that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, it doesn't quite work that way. Any qualifying discounts will cut your premiums.

Water Valley auto insurance comparison

Switch companies and save? Really?

Kentucky consumers get pounded daily by advertisements that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings if you change to them.

How do they all make almost identical claims?

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save money. That's the way insurance companies can confidently advertise the way they do.

Because of the profiling, you should compare as many rates as you can. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Additional auto insurance information is available on the Kentucky Department of Insurance website located here. Kentucky consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, and report car insurance fraud.

Best coverage at the best price

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.

Low-cost auto insurance can be sourced online and with local Water Valley insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

You just read many tips how you can reduce auto insurance prices online. It's most important to understand that the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from the least-expected company.