8 Ways You Can Buy Car Insurance for Less in Williamsburg

Scraping up a payment for overpriced car insurance can overdraw your checking account and put a big crunch on your finances. Doing a price comparison is a great way to help make ends meet.

Lots of contend for your insurance dollar, and because of this it can be hard to compare to get the lowest rate

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Williamsburg is easy if you know what you're doing. But Kentucky car owners do need to know the way companies sell online and use this information to your advantage.

How much can you save with these eight discounts?

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so we break down some of the more common as well as the least known discounts you could be receiving.

Payment Method - By paying your policy upfront instead of making monthly payments you could save up to 5%.
Life Insurance Discount - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Paperwork-free - A handful of insurance companies will give a small break for buying a policy and signing up on their website.
Driver Safety - Taking part in a driver safety course could cut 5% off your bill if your company offers it.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Low Mileage Discounts - Fewer annual miles can earn a substantially lower rate.
Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
55 and Retired - If you're over the age of 55, you may be able to get a small decrease in premiums.

Drivers should understand that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies wouldn't make money that way.

To choose insurance companies who offer car insurance discounts in Williamsburg, click here.

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

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim that you'll save big after switching your coverage to them. How do they all make the same claim?

All the different companies have a preferred profile for the type of customer that makes them money. For example, a driver they prefer could be between the ages of 30 and 50, has no prior claims, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile will be quoted a higher premium and this can result in business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how companies can state the savings. This emphasizes why you should get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

How much car insurance do I need?

When buying adequate coverage for your personal vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover if your insurance needs might need an agent's assistance.

Are my tools covered if they get stolen from my vehicle?
What are the financial responsibility laws in Kentucky?
Does my personal policy cover me when driving my company car?
Do I really need UM/UIM coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Is rental equipment covered for theft or damage?

If you can't answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Learn more about car insurance in Kentucky

More detailed Kentucky car insurance information can be found at the Kentucky Department of Insurance website. Consumers can view a list of available companies, file complaints about an insurance agent or broker, get help finding coverage, and discover disciplinary actions.

Affordable insurance is out there

As you restructure your insurance plan, you should never buy poor coverage just to save money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Budget-conscious car insurance can be sourced from both online companies as well as from independent agents in Williamsburg, and you should compare price quotes from both to have the best selection. Some insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.