Easy Tips to Cut Costs on Grand Rivers Auto Insurance

Finding lower premiums on Grand Rivers auto insurance is nearly impossible for beginners to shopping for insurance online. People have so many companies to choose from that it can be a big hassle to compare prices in Grand Rivers.

It's important to take a look at other company's rates once or twice a year because prices are constantly changing. Just because you found the best rates six months ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance online, so I'm going to show you some great ways to save money.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Locating the cheapest auto insurance in Grand Rivers can be fairly easy. But Kentucky drivers do need to know how big insurance companies sell online.

Take advantage of discounts

Companies don't list all their discounts in a way that's easy to find, so the following is a list of both well-publicized and the more hidden discounts you could be receiving.

Save over 55 - Mature drivers may receive better auto insurance rates.
Pay Now and Pay Less - By paying your policy upfront instead of paying each month you may reduce your total bill.
Memberships - Participating in a civic or occupational organization may earn a discount on auto insurance.
Multiple Cars - Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
Drivers Ed for Students - Have your child complete a driver education course if offered at their school.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don't profit that way.

To see a list of companies with discount auto insurance rates in Grand Rivers, click here.

Fast and Easy Grand Rivers Auto Insurance Quotes

There are several ways of comparing price quotes and find the best price. The best method to find competitive insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

The best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do boring form submissions to each individual auto insurance company. Taking the time to complete one form gets you price quotes from all major companies. It's the fastest way to compare.
A more difficult way to compare rate quotes requires a trip to each company's website to complete their respective quote request forms. For instance, we'll assume you want rates from , and . To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Grand Rivers, click here.

However you get your quotes, double check that you are using exactly the same quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Grand Rivers. Slightly different insurance coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes will increase your chances of finding a better price.

Grand Rivers Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with big savings.

Males pay more for insurance - The statistics show women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. They both tend to get into accidents at a similar rate, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.
Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
Liability coverage is peace of mind - Your policy's liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Low deductibles can be expensive - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
High numbers of claims are not good - Car insurance companies in Kentucky generally give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for major claims that would cause financial hardship.
Careful drivers pay lower rates - Your driving citation history has a huge affect on how much you pay. Just one ticket can boost insurance rates twenty percent or more. Careful drivers receive lower rates than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to prevent a license revocation.
Being married is a good thing - Getting married helps lower the price on auto insurance. It means you're more mature than a single person and it's statistically proven that drivers who are married are more cautious.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to have a common claim that you'll save big if you change to their company. How can each company make almost identical claims?

All the different companies can use profiling for the driver that is profitable for them. A good example of a desirable insured could possibly be between 30 and 50, has no tickets, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Drivers who don't qualify for the requirements will have to pay a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "people who switch" not "people who quote" save that much. That's why companies can state the savings. Because of the profiling, drivers must compare many company's rates. It's impossible to know the company that will have the lowest rates.

Shop smart and save

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy enough coverage at an affordable rate.

Drivers leave their current company for many reasons like denial of a claim, extreme rates for teen drivers, questionable increases in premium or lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

Discount auto insurance can be sourced online and also from your neighborhood Grand Rivers agents, so compare prices from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

More Kentucky auto insurance information

More detailed Kentucky auto insurance information can be read at the Kentucky Department of Insurance website. Kentucky consumers can learn about insurance regulations, view a list of available companies, and find out which companies have the most complaints.