Easy Tips to Pay Less on Louisville Auto Insurance

Price shopping your Louisville auto insurance is challenging for people who are new to buying insurance online. You have so many choices that it can quickly become a ton of work to compare prices in Louisville.

It's important to compare prices before your policy renews since insurance rates are constantly changing. If you had the best price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you're about to find out the fastest and easiest way to find better coverage at a better price.

If you are insured now or need new coverage, you can use these techniques to find better prices while maximizing coverage. This article will let you in on how to effectively get price quotes. Georgia vehicle owners just need to know the most effective way to shop for auto insurance online.

Comparison of Auto Insurance in Louisville

Most major insurance companies give coverage prices online. Getting online quotes is quite simple as you just type in as detailed in the form. Behind the scenes, their system will obtain credit information and your driving record and returns pricing information based on many factors.

Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and type in the same information can be a bit repetitive. But it's very important to get many rate quotes in order to get better auto insurance pricing.

A less time-consuming method to lower your auto insurance bill requires only one form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes online quotes much more efficient. As soon as you send your information, your coverage is rated and you are able to buy your choice of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you enter the insurance coverages identical to your current policy. This way, you will have rate quotes based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that come into play when calculating auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" auto insurance companies consider when setting rates.

Men fork out a little more - The statistics show women are more cautious behind the wheel. However, don't assume that men are worse drivers. Women and men are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like reckless driving and DUI.
Never allow your policy to lapse - Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
Rates may be higher depending on your occupation - Jobs such as lawyers, business owners and dentists tend to have the highest average rates attributed to stressful work requirements and lengthy work days. Other occupations such as farmers, historians and the unemployed receive lower rates.
An active claims history can cost you - Car insurance companies in Georgia award cheaper rates to people who are claim-free. If you are a frequent claim filer, you can expect higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Special features that cut premiums - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Poor credit can mean higher rates - Credit rating is a large factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit can use some improvement, you could be paying less to insure your by improving your credit score.
Traffic citations inflate rates - Your driving citation history has a huge affect on how much you pay. Just one moving violation can boost insurance rates by twenty percent. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
Liability coverage is peace of mind - The liability section of your policy will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

These discounts can lower your rates

Auto insurance companies don't always list all their discounts in a way that's easy to find, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If you aren't receiving every discount available, you're just leaving money on the table.

Senior Discount - Older drivers can possibly qualify for better auto insurance rates.
Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
No Accidents - Claim-free drivers can save substantially as compared to frequent claim filers.
Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
One Accident Forgiven - A handful of insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
Sign Early and Save - A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
Good Students Pay Less - Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, companies don't profit that way.

For a list of companies with the best auto insurance discounts in Louisville, click here to view.

More detailed Georgia auto insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can learn about insurance regulations, find a variety of consumer forms, and read industry bulletins.

Best coverage at the best price

When shopping online for auto insurance, it's not a good idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate.

People who switch companies do it for many reasons like denial of a claim, being labeled a high risk driver, high rates after DUI convictions and extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right auto insurance provider is not as hard as you think.

Discount auto insurance is definitely available on the web and also from your neighborhood Louisville agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.