Quote Bowling Green Car Insurance Prices With These Methods

Finding lower premiums on Bowling Green car insurance is a challenge for consumers new to comparison shopping online. People have so many options that it can easily become more work than you anticipated to find the best price in Bowling Green.

It's important to compare prices before your policy renews because rates are constantly changing. Just because you found the best price six months ago you will most likely find a better rate today. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

Take advantage of discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply when you complete an application, but less common discounts must be requested specifically before they will apply. If they aren't giving you every credit available, you are throwing money away.

  • New Car Discount - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Claim Free - Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Clubs and Organizations - Belonging to certain professional organizations could trigger savings on car insurance.
  • Safety Course Discount - Taking a driver safety course could save 5% or more if you qualify.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

Virginia car insurance quotes

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you change your coverage to them.

How do they all make the same claim? It's all in the numbers.

Different companies can use profiling for the type of customer that earns them a profit. For example, a desirable insured could be between 30 and 50, is a homeowner, and has a high credit rating. A customer who matches those parameters will get very good rates and most likely will cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will have to pay higher rates which leads to business going elsewhere. The ads say "customers who switch" not "people who quote" save that much money. That's why companies can truthfully state the savings.

Because of the profiling, you should compare as many rates as you can. Because you never know the company that will have the lowest rates.

Additional information can be found on the Virginia Bureau of Insurance website found here. Consumers can file complaints about an insurance agent or broker, read industry bulletins, and find out which companies have the most complaints.

Best coverage at the best price

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced physical damage coverage only to discover later that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best price.

Insureds leave their current company for a variety of reasons including delays in paying claims, high rates after DUI convictions, questionable increases in premium and even poor customer service. No matter why you want to switch, finding a new car insurance company is less work than it seems.

Cheap car insurance can be sourced from both online companies as well as from independent agents in Bowling Green, so compare prices from both to get a complete price analysis. Some insurance companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.