Top 9 Ways to Save Money on Car Insurance in Catlettsburg

Paying for high-priced car insurance can drain your bank account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. Insurance companies such as GEICO and Progressive persitently shower you with advertising and it can be hard to sift through the bull and do the work needed to find the best deal.

It's important to compare rates yearly since rates are constantly changing. Even if you think you had the lowest price six months ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to find out how to quote online to reduce your cost while improving coverage.

Compare Car Insurance Today

There are several ways to compare car insurance quotes, but some are easier and takes less work. You can spend your afternoon discussing policy coverages with agents in Catlettsburg, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and each company can provide price quotes. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is you can't choose which providers you will receive quotes from. If you wish to select from a list of companies for rate comparison, we put together a list of car insurance companies in Kentucky. Click here to view list.

It's your choice how you get your quotes, but make sure you use exactly the same coverage limits for every quote you compare. If you are comparing differing limits it's impossible to determine the best price in Catlettsburg.

How much can you save with these nine discounts?

Car insurance companies don't always advertise every available discount in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using. If you aren't receiving every discount you deserve, you are paying more than you should be.

Good Student Discount - This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.
Government Employees - Employees or retirees of the government could cut as much as 10% off with certain companies.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
New Car Discount - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
55 and Retired - If you're over the age of 55, you may receive better car insurance rates.
Low Mileage - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky.

To choose providers with discount car insurance rates in Catlettsburg, click here to view.

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

Consumers can't ignore all the ads for car insurance savings by State Farm and Allstate. All the ads make an identical promise about savings if you change to their company.

How can each company make the same claim?

Insurance companies have a preferred profile for the driver that makes them money. For instance, a preferred risk could be between the ages of 30 and 50, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will be charged higher prices and ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings. That is why you need to compare as many rates as you can. It's just too difficult to predict which insurance companies will have the lowest rates.

How much car insurance do I need?

When buying the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is a little different so your insurance should reflect that For example, these questions can help discover if your insurance needs might need an agent's assistance.

Should I buy only the required Kentucky minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Am I covered when delivering products for my home-based business?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
Who is covered when they drive my vehicle?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Even more information is located at the Kentucky Department of Insurance website. Consumers can file complaints about a company, file complaints about an insurance agent or broker, find disaster information, and download brochures.

And the best car insurance company is...

You just learned many tips how you can compare car insurance prices online. It's most important to understand that the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits only to discover later that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cheaper car insurance is attainable from both online companies and also from your neighborhood Catlettsburg agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.