Cheap Car Insurance Quotes for Active Military in Kentucky

You have surely seen all the captivating ads from insurers like Farmers, GEICO, and The General that make promises of huge savings, so you just need to choose the one with the flashiest ad, right?

It’s not that easy, however, as there are a lot of unknowns like the level of liability coverage you want, if you are a renter or homeowner, your credit score, and if your driving record is clean. This article goes into detail about some of these things and also should give you a good beginning to your quest for cheaper car insurance.

The vehicle requiring insurance is one of the primary factors when comparing cheap auto insurance for active military in Kentucky. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models.

The list below outlines auto insurance prices for a selection of the most budget-friendly vehicles to buy insurance for.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in specific Kentucky garaging location which can increase or decrease premium rates noticeably.

Based upon the rates shown, cars like the Honda CR-V, Ford Escape, Chevrolet Traverse, and Ford F-150 are most likely to be some of the most budget-friendly vehicles to insure for military personnel.

Determining which company quotes the most affordable auto insurance rates for active military may require a little more work than just comparing rates from one or two companies.

Each insurer uses their own calculation for determining rates in each state, so to begin we’ll rank the auto insurance companies with the overall best prices in Kentucky. It’s important to understand that Kentucky auto insurance rates are impacted by many factors which can substantially change the price of coverage. Improving your credit rating, adding a teenager to your policy, or having an accident can trigger changes in premium that can now make some companies more affordable than others.

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Cincinnati Insurance offers some of the cheapest car insurance rates in Kentucky at around $1,115 annually. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also qualify as some of the most economical Kentucky car insurance companies.

As depicted above, if you are insured with Auto-Owners and switched to Kentucky Farm Bureau, you may see an annual premium reduction of in the vicinity of $250. Customers with Grange Mutual might save as much as $414 a year, and Motorists Mutual policyholders might cut rates by $438 a year.

Bear in mind that those prices are averaged across all drivers and vehicles and do not take into consideration a rate discount for active military. So the insurer that can offer you the best price may not even be in the rate chart shown above. That is why you need to get car insurance quotes using your own specific driver information and vehicle.

The chart below shows how choosing a deductible can change insurance costs when getting quotes for cheap insurance for active military. The information is based on a married male driver, full coverage, and no discounts are factored in.

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The data above shows that a 50-year-old driver could lower their car insurance rates by $272 a year by changing from a $100 deductible up to a $500 deductible, or save $412 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can save up to $910 each year by using a higher deductible.

When increasing deductibles, it will be necessary to have enough savings set aside to satisfy the extra out-of-pocket expense associated with higher deductibles.

Progressive, State Farm, Allstate, or Geico: Which is best?

When shopping around for car insurance, some of the largest companies to start with are Progressive, State Farm, Allstate, and Geico. Combined they insure about 50% of all car insurance policies written. The following table compares price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.

How to get cheap auto insurance for active military in Kentucky

The list below summarizes some of the better penny-pinching ideas that can help Kentucky drivers find cheaper coverage.

• Do not get into accidents
• Pay lower rates with good credit
• Keep your driving record clean
• Increase deductibles to save money
• Pay less by remaining claim-free
• Buying home and auto together can help save money
• Comparison shop frequently

That last tip is particularly vital, as we emphasized in this article. Prices charged by companies fluctuate constantly, so you should be ready to switch to a new company if you find a cheaper price. Staying with the same car insurance company is fine, but it’s not a good idea if that stubbornness costs you a small fortune. Take a few minutes and shop around to find cheaper insurance for active military.