Best Cheap Car Insurance for Teenage Females in Kentucky

Our content editors always give us grief that when writing about auto insurance, the words cheap or affordable should never appear as a descriptor for car insurance rates. It’s just a fact that cheap car insurance for teenage females can be extremely hard to find. Don’t let that discourage you, because we will show you how you can find car insurance that you are able to afford.

The vehicle model driven is probably the largest consideration that determines whether or not you find cheap car insurance for teenage females. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models. The table below showcases car insurance costs for the most budget-friendly automobiles to buy insurance for.

Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can impact coverage prices noticeably.

Based upon the rates shown, you can assume that models like the Honda CR-V, Chevrolet Traverse, Ford F-150, and Honda Accord are going to be a few of the most economical vehicles to insure for teen girls. Rates will tend to be higher just because there is more risk for teenage females, but generally speaking those particular models will tend to have the best insurance prices compared to all other vehicles.

When shopping for auto insurance for teen girls, one of the many factors that is used to calculate the annual cost of car insurance is where your car is garaged in Kentucky. Areas that are densely populated or have higher claim frequency like Louisville, Ashland, and Jeffersontown tend to have more expensive auto insurance rates, whereas areas that tend to be more rural generally have lower rates.

The information below sorts the most expensive places in Kentucky for teenage females to buy car insurance in.

Rate information is comparative as the specific area where the vehicle is garaged can affect price quotes significantly.

Ending up with a high-quality insurance provider can be a challenge considering how many companies sell coverage in Kentucky. The company rank data displayed below may help you analyze which auto insurers to look at comparing prices from.

These ratings include companies that write coverage in many states, so companies that focus mainly on Kentucky business are not taken into consideration for the list. If you would like to check rates from these top-rated insurers and more, just click here.

Top 10 Large Auto Insurers in Kentucky Ranked by Value

1. Travelers
2. AAA Insurance
3. American Family
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Erie Insurance
8. 21st Century
9. The General
10. Esurance

The diagram below illustrates how choosing a deductible can influence insurance premiums when searching for cheap insurance for teenage females. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.

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The chart above illustrates that a 50-year-old driver could pocket $352 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $528 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could possibly save as much as $898 or even more by choosing a higher deductible. When raising deductibles, it will now be necessary to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to find the best cheap car insurance for teenage females in Kentucky

The list below summarizes some thrifty ideas that can help drivers find cheap auto insurance.

• Increase your comprehensive and collision deductibles
• Frequent claims will increase rates
• Good credit can mean cheaper rates
• Save money by insuring older vehicles for liability only
• Vehicles with good safety ratings have lower liability rates
• Save money by bundling your home and auto policies
• Shop around for cheaper prices often

The final tip is extremely vital, as was noted in the prior article. Car insurance rates can change considerably in a year, so drivers shouldn’t be resistant to switch carriers if you find a better deal.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if your bullheadedness ends up costing you thousands of dollars over several years. In less than five minutes you could compare rates and find cheaper insurance for teenage females.

Cheapest insurance quotes for teen girls

There are many different ways to compare cheaper auto insurance rates in Kentucky, but the most frequently used methods are through a captive (or exclusive) agency such as Liberty Mutual or State Farm, an independent insurance agent, or direct from companies such as Progressive or Geico. They all have the same end result, but buyers need to know the differences in how they provide price quotes.

Independent insurance agents have contracts with many companies and can get rate quotes from each one. Independent agents can sell policies from many different companies and can give you more rate choices, which can give you a better chance of saving money. If your premiums go up, your agent can just switch to a different company and you stay with the same agent.

An exclusive ageny is ‘exlusive’ to one insurance company such as Allstate or Farmers Insurance agents. These agents are not able to place coverage with different providers, so you need to shop around if the rates are high.

The last way is buying direct, which means you do not use either of the other two types of agents and instead buy from a direct company like Esurance or Progressive. This option may be good for consumers who do not need advice for risk management and understand what auto insurance covers and what it doesn’t.

Out of those three methods, which one works best to buy the best cheap car insurance for teenage females in Kentucky? The majority of auto insurance shoppers assume that shopping direct saves the most money because there is no agent involved, but in reality, that is not the case. We could also assume that going through an independent agent results in the cheapest rates because they can shop around, but that assumption is also not necessarily accurate. For the right applicant, exclusive agents have very competitive rates that other companies cannot beat.

Due to that fact that auto insurance uses so many rating variables, really the only way to ensure the lowest rates is to get quotes and compare. It’s recommended that drivers get rate quotes from all three in order to have enough rates to compare. To see some of the cheapest online companies available, click here to view.