Quote Berea Auto Insurance Prices With These Tricks

Finding lower premiums on Berea auto insurance is challenging for consumers not familiar with shopping for insurance online. There are so many companies to choose from that it can easily become more work than you anticipated to find lower rates in Berea.

Why some people pay less for insurance in Berea

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

The following are some of the factors companies use to determine premiums.

Liability insurance protects assets - Liability coverage will protect you if a jury decides you are liable for damages from an accident. It will provide legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Lower rates with optional equipment - Driving a car with an alarm system can help lower your rates. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
Rural vs Urban Areas - Being located in small towns and rural areas is a positive aspect when buying auto insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
Your credit rating is important - A driver's credit history is a important factor in your rate calculation. So if your credit is not that good, you could save money insuring your by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores.
Claim-free discounts can add up - Auto insurance companies in Kentucky award discounts to drivers who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
More than one policy can earn a discount - Many insurers will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. You may still find better rates by splitting coverages up.
Pay less if you're married - Being married can get you a discount on your policy. Having a spouse is viewed as being more mature and it's proven that drivers who are married are more cautious.

Take advantage of discounts

Companies offering auto insurance don't list all available discounts very well, so here is a list some of the best known as well as the least known savings tricks you should be using.

Organization Discounts - Affiliation with a professional or civic organization is a good way to get lower rates when buying auto insurance.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Auto/Home Discount - If you insure your home and vehicles with the same company you will save at least 10% off all policies.
Passive Restraint Discount - Vehicles equipped with air bags can receive discounts up to 30%.
Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off depending on your company.

It's important to note that most discount credits are not given to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you're out of luck.

To choose insurers who offer auto insurance discounts in Kentucky, click here to view.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies make an identical promise that you can save after switching to them. But how can every company say the same thing?

Insurance companies can use profiling for the type of driver that makes them money. An example of a profitable customer might be profiled as between 25 and 40, has no tickets, and has great credit. A propective insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Drivers who don't qualify for this ideal profile must pay a higher premium and ends up with business not being written. The ads say "customers that switch" not "people who quote" save money. That's why insurance companies can advertise the savings. This illustrates why you should get a wide range of price quotes. It's not possible to predict the company that will fit your personal profile best.

More Kentucky auto insurance information

Additional detailed information is available at the Kentucky Department of Insurance website. Kentucky drivers can find out which companies have the most complaints, view a list of available companies, and view agent and company licensing information.

Other informative sites include this link for Kentucky auto insurance quotes and this link which helps you find a Berea agent.

Final considerations

Lower-priced auto insurance can be purchased on the web and with local Berea insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

People change insurance companies for a number of reasons such as questionable increases in premium, unfair underwriting practices, policy non-renewal or even poor customer service. No matter why you want to switch, choosing a new insurance company is easier than you think.

When you buy insurance online, don't be tempted to buy poor coverage just to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.