10 Discounts Whitesburg Consumers Forget when Shopping for Car Insurance

Expensive car insurance can take a big chunk out of your checking account and force you to make sacrifices. Shopping your coverage around is a great way to slash your bill and have more diposable income.

Insurance companies such as GEICO and Progressive persitently shower you with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to compare rates on a regular basis since rates are constantly changing. If you had the best rates a few years ago there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to reduce your car insurance bill.

How to Lower Your Car Insurance Cost in Whitesburg, Kentucky

All major car insurance companies allow you to get prices on their websites. Getting quotes is quite easy as you just type in the coverages you want into the quote form. After the form is submitted, their rating system will obtain your driving record and credit report and quotes a price. Online quotes simplifies rate comparisons, but having to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find a lower rate.

The preferred way to find lower prices is to use a quote form that gets price quotes from many companies. It's a real time-saver, requires less work, and makes online shopping a lot less work. As soon as you send your information, it is rated and you are able to buy your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend you type in the coverages exactly as shown on your declarations page. This makes sure you will be getting rate comparison quotes for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.

Sign Online - A few companies will give a small break just for signing your application digitally online.
Own a Home - Owning a house in Whitesburg can save you money because of the fact that having a home demonstrates responsibility.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Government Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
New Car Discount - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
No Accidents - Drivers who don't have accidents pay less as compared to accident-prone drivers.
Organization Discounts - Belonging to a civic or occupational organization may earn a discount on car insurance.
Passive Restraints and Air Bags - Factory air bags or automatic seat belts can qualify for discounts up to 30%.

It's important to note that some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you're out of luck.

To choose companies with the best car insurance discounts in Whitesburg, click here.

Switch companies and save? Really?

Car insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to have a common claim that you can save if you move to their company. How can each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. A good example of a desirable insured could be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and therefore will save when they switch companies.

Consumers who do not match the requirements will have to pay higher rates and this can result in business going elsewhere. The ads say "drivers who switch" not "everyone that quotes" save that much. This is how insurance companies can advertise the way they do. Because of the profiling, you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Additional detailed information can be read at the Kentucky Department of Insurance website. Consumers can get help finding coverage, download brochures, find out industry alerts, and file complaints about an insurance agent or broker.

Shop smart and save

Lower-priced car insurance is possible from both online companies and also from your neighborhood Whitesburg agents, so you should compare both to get a complete price analysis. Some car insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

When shopping online for car insurance, it's a bad idea to reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest price.