Free Guide to Cutting Costs on Elkhorn City Car Insurance Online

Having to pay for overpriced car insurance can overdraw your personal savings and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. You have so many to pick from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

Finding the best rates in Elkhorn City is not that difficult. If you have a current car insurance policy or need a new policy, you can learn to shop for the lowest rates and still get good coverage. Kentucky consumers only need to know the most effective way to buy car insurance over the internet.

Are you getting all your discounts?

Companies don't always publicize every discount very clearly, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you are throwing money away.

  • Government Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Accident Waiver - Certain companies permit an accident before your rates go up if your claims history is clear prior to the accident.
  • Multiple Policy Discount - If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Air Bag Discount - Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like it's possible to get free car insurance, you won't be that lucky.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn't really a best way to insure your cars. Everyone's needs are different so your insurance should reflect that For instance, these questions can help discover whether you would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • What are the financial responsibility laws in Kentucky?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I still get insurance after a DUI?

If you're not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, Allstate and GEICO. They all make an identical promise about savings after switching your policy.

How does each company make the same claim?

All companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer could be a mature driver, has no prior claims, and has excellent credit. A customer who meets those qualifications is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted higher premiums and ends up with business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully make those claims. This emphasizes why you should compare many company's rates. Because you never know which insurance companies will have the lowest rates.

Even more information can be read at the Kentucky Department of Insurance website. Consumers can download brochures, file complaints about an insurance agent or broker, get help finding coverage, and view agent and company licensing information.

Also read more on this online resource for car insurance quotes in Kentucky and this list of insurance agents in Elkhorn City.

Kentucky car insurance quotes

And the best car insurance company is...

While you're price shopping online, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time they didn't purchase enough coverage. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

The cheapest car insurance can be sourced from both online companies in addition to many Elkhorn City insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.