Car Insurance in Glasgow, KY - 7 Tricks to Lower Rates

I can’t think of anyone who looks forward to paying for car insurance, especially when their premiums are through the roof. Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

Comprehensive Car Insurance Comparison in Glasgow, Kentucky

Finding a lower price on insurance is not rocket science. The only thing you need to do is invest a few minutes to compare rate quotes online from several insurance companies. This can be done in a couple of different ways.

The easiest and least time consuming way to find low rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do repetitive form entry for each company. One simple form gets rate comparisons instantly.
A harder way to get comparison quotes consists of visiting each company website and fill out their own quote form. For examples sake, we’ll assume you want rates from Farmers, Liberty Mutual and State Farm. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.
For a handy list of car insurance company links in Glasgow, click here.
The most time-consuming method to compare rates is to drive around to different Glasgow agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you require the professional guidance of a licensed agent. However, consumers can get the lowest quotes online and still use a local agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just double check that you are using identical coverage information for every company. If each company quotes mixed coverages it will be very difficult to decipher which rate is best in Glasgow.

Is there deception in advertising?

Kentucky drivers constantly see and hear ads for car insurance savings from companies such as State Farm, Allstate and GEICO. All the companies say the same thing that you can save if you change your policy.

But how can every company say the same thing?

All the different companies can use profiling for the type of customer that earns them a profit. For example, a desirable insured could possibly be a mature driver, is a homeowner, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and therefore will cut their rates substantially.

Drivers who don’t measure up to the “perfect” profile will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently state the savings. This emphasizes why drivers should get a wide range of price quotes. Because you never know the company that will fit your personal profile best.

More discounts equal less premium

Auto insurance companies don’t necessarily list all their discounts very well, so here is a list both the well known as well as the least known discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.

Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accident claims.
Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
Passive Restraint Discount – Factory air bags may earn rate discounts of more than 20%.
College Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, you’re out of luck.

But buying car insurance online seems impersonal

Certain consumers would prefer to buy from a local agent and that is just fine! Educated insurance agents can point out coverage gaps and give you peace of mind. One of the best bonuses of getting online price quotes is you can get the best rates but still work with a licensed agent.

After completing this form (opens in new window), your information is instantly submitted to local insurance agents in Glasgow who will return price quotes for your business. You won’t need to leave your house due to the fact that quote results will go directly to your email.

Deciding on an provider shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:

Is vehicle mileage a factor when determining depreciation for repairs?
Is the agency involved in supporting local community causes?
What is the agency’s Better Business Bureau rating?
What insurance companies do they work with?
Does the company allow you to choose your own collision repair facility?
Are there any discounts that you might be missing?

How to choose the best car insurance agent in Glasgow

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different types of agents that you can select. Agents are classified as either independent or captive. Both types can write coverage properly, but it’s important to know the differences since it may influence your selection of an agent.

Captive Insurance Agents

Captive agents can only write with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. auto insurance image

Listed below is a short list of captive insurance agents in Glasgow that are able to give comparison quotes.

Farm Bureau Insurance – 106 Reynolds Rd – Glasgow, KY 42141 – (270) 678-3500
Shelter Insurance – 130 S Public Sq – Glasgow, KY 42141 – (270) 651-6169
State Farm Insurance – 308 S Broadway St – Glasgow, KY 42141 – (270) 651-6025

Independent Agencies or Brokers

Independent agencies are not required to write business for one company so they have the ability to put coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.

When shopping rates, it’s a good idea to contact at least one independent agent for the best price selection.

Shown below are independent agents in Glasgow that are able to give price quote information.

Benny Manion Insurance Inc – 605 Happy Valley Rd # A – Glasgow, KY 42141 – (270) 651-6523
Dennis Devore Insurance – 1664 Patton Rd – Glasgow, KY 42141 – (270) 678-4560

For a full directory of Glasgow insurance agents, view this link.

Upon getting reasonable responses to any questions you have and an affordable coverage quote, you’ve probably found an insurance agent that is a good match to adequately provide car insurance. Just keep in mind once you purchase a policy you can terminate coverage at any time so don’t think you’re contractually obligated to a specific agent with no way to switch.

More detailed Kentucky car insurance information can be read at the Kentucky Department of Insurance website. Visitors are able to find a variety of consumer forms, file complaints about an insurance agent or broker, find out which companies have the most complaints, and file complaints about a company.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from car insurance companies.

Liability

Liability insurance will cover damage that occurs to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things like repair costs for stationary objects, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible. Kentucky state minimum liability requirements are 25,000/50,000/10,000 but drivers should carry more coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your vehicle.

Because many people carry very low liability coverage limits (Kentucky limits are 25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, surgery, ambulance fees and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed, hail damage and rock chips in glass. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote often and quote early

We’ve covered a lot of tips how to save on car insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with an unexpected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, do not reduce needed coverages to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Car Insurance in Glasgow, KY – 7 Tricks to Lower Rates