Expert Tricks to Lower Erlanger, KY Car Insurance

If you are a novice to online car insurance shopping, you may be overwhelmed by the sheer number of car insurance companies all offering big savings in Erlanger.

Consumers should take time to check car insurance prices quite often due to the fact that insurance rates are usually higher with each renewal. Even if you got the best price on your last policy other companies may now be cheaper. Don’t believe everything you read about car insurance on the web, but we’re going to give you some excellent ideas to save money.

If you are insured now or are just looking to switch companies, you will benefit by learning to find better prices while maintaining coverages. The purpose of this post is to help educate you on the best way to quote coverages and some tricks to saving. Kentucky drivers only need an understanding of the best way to compare rates online.

Decisions you make can impact your rates

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes some of the items used by your company to calculate rates.

  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
  • More people means more accidents – Living in a rural area is a positive aspect when talking about car insurance. Drivers who live in large cities have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
  • Multiple policies with one company can save – Many car insurance companies will award you with lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. You may still find better rates by buying car insurance from a different company.
  • Special features that cut premiums – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Type of vehicle determines base rates – The type of car you own makes a big difference in your rates. Low performance passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.

Which Car Insurance is Cheapest in Erlanger?

There are a lot of ways to compare car insurance prices but there is one way that is more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in Erlanger, or you could use online quotes to get prices fast.

All the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing based on the submitted data. This eliminates the need for quote forms for every car insurance company.

To enter your information into the quoting system, click here to start a free quote.

One minor caviat to using this type of form is you don’t know exactly the providers to get pricing from. So if you prefer to pick individual companies to compare prices, we put together a list of companies who write car insurance in Kentucky. View list of Kentucky insurance companies.

Which method you use is up to you, but make darn sure you compare the exact same deductibles and coverage limits on every quote. If your comparisons have higher or lower deductibles it will be impossible to find the best deal in money image

Buyer beware of car insurance advertising tricks

Consumers in Kentucky can’t get away from ads that promise big savings from the likes of State Farm and Allstate. All the ads have a common claim of big savings if you change your coverage to them.

How can each company claim to save you money?

Different companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and has great credit. Any new insured who matches those parameters receives the best rates and as a result will probably save when switching.

Consumers who are not a match for this ideal profile will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can state the savings.

Because of the profiling, it’s extremely important to quote coverage with many companies. It’s not possible to predict which car insurance company will have the lowest rates.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specifically requested before you get the savings. If you don’t get every credit available, you are paying more than you should be.

  • Save with a New Car – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more than their less cautious counterparts.
  • Accident Free – Good drivers with no accidents pay much less as compared to frequent claim filers.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will cut your overall premium however.

Don’t assume everyone needs the same coverage

When buying the best car insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

Erlanger KY car insurance

  • Am I covered if I drive in a foreign country?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my policy cover my teen driver if they drive my company car?
  • How high should my uninsured/underinsured coverage be in Kentucky?
  • Do no-fault laws apply in Kentucky?
  • Do I need to file an SR-22 for a DUI in Kentucky?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

More information is located on the Kentucky Department of Insurance website found here. Kentucky drivers can download brochures, read consumer alerts, and learn about specific coverages.

And the best car insurance company is…

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price while still protecting your assets.

Low-cost car insurance can be purchased from both online companies and with local Erlanger insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Drivers change insurance companies for any number of reasons including delays in paying claims, not issuing a premium refund, delays in responding to claim requests or lack of trust in their agent. Regardless of your reason for switching companies, finding the right car insurance provider is not as difficult as it may seem.