Learn Consumer Tested Strategies to Save on Radcliff Kentucky Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are a lot of people in Radcliff just like you who feel imprisoned by their car insurance policy. Multiple auto insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies and get the definite best rate

These discounts can lower your rates

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Multi-policy Discount – If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will help reduce the cost of coverage.

Car Insurance Comparison Rates in Radcliff

Most major insurance companies give prices on the web. The process is pretty painless as you simply enter the coverage amounts you desire into the quote form. When complete, the company’s rating system makes automated requests for credit information and your driving record and returns a price quote based on many factors. Online quotes streamlines rate comparisons, but the time it takes to visit several different sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible in order to get the best price on car insurance.

The quickest way to lower your rates uses one simple form to obtain quotes from several companies at one time. This type of form saves time, requires less work, and makes online shopping much more enjoyable. Immediately after submitting the form, it gets priced and you can choose your choice of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you copy the insurance coverages identical to your current policy. This ensures you are getting rate comparison quotes using the exact same coverages.

How much car insurance do I need?

When it comes to choosing adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • Do I need special endorsements for business use of my vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Does my vehicle need full coverage?
  • How high should my medical payments coverage be?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage if my license is suspended?
  • What vehicles should carry emergency assistance coverage?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

car insurance image

Affordable insurance is out there

Cheap car insurance is possible both online as well as from independent agents in Radcliff, and you should be comparing both to have the best selection. Some companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best price while not skimping on critical coverages.