Top 8 Ways You Can Buy Car Insurance for Less in Wickliffe Kentucky

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are many people just like you.

Having so many companies to choose from, it can be hard to locate the cheapest company.

Locating the lowest cost protection in Wickliffe can be fairly easy. Basically, every driver who has to buy car insurance will be able to reduce their rates. Nevertheless, Kentucky car owners do need to know how the larger insurance companies sell online.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be asked about before they will apply.

Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles could qualify for a substantially lower rate.
No Charge for an Accident - Some insurance companies will forgive one accident before your rates go up if your claims history is clear for a certain period of time.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Paperwork-free - Some insurance companies will give a small break simply for signing online.
Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
55 and Retired - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.

It's important to understand that some credits don't apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim of big savings after switching your coverage to them. But how can every company make the same claim?

Different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher rates and this can result in business going elsewhere. The ads state "customers that switch" not "people who quote" save that much money. That's the way insurance companies can confidently advertise the way they do.

This emphasizes why drivers should compare many company's rates. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Additional car insurance information can be read on the website for the Kentucky Department of Insurance located here. Consumers can view a list of available companies, discover disciplinary actions, learn about insurance regulations, and file complaints about a company.

Also read more on this site for car insurance rates in Kentucky and this list of insurance agents in Wickliffe, KY.

Final considerations

Low-cost car insurance can be sourced from both online companies as well as from independent agents in Wickliffe, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

You just learned a lot of ways to reduce car insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from the least-expected company. Regional companies can often provide lower rates in certain areas than their larger competitors like .