Learn How to Buy Newport, KY Auto Insurance Like an Expert

If price shopping auto insurance online is new to you, you may be overwhelmed by the sheer number of online companies selling insurance in Newport.

Consumers should take time to do rate comparisons on a regular basis due to the fact that insurance rates are usually higher with each renewal. Just because you had the lowest rates on your last policy you can probably find a lower rate today. Don’t believe everything you read about auto insurance on the web, but with this article, you’re going to get some great ways to quit paying high auto insurance rates.

If you have a current auto insurance policy or need a new policy, you can use this information to find the best rates and still get good coverage. The purpose of this article is to teach you the most effective way to quote insurance and some tricks to saving. Kentucky drivers just need to understand the proper methods to compare company rates online.

Smart Consumers Save More

It’s important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into rates.

  • With age comes lower rates – More mature drivers are more cautious drivers, file fewer claims and get fewer tickets. Teenage drivers are known to get distracted easily when driving and because of this, their auto insurance rates are much higher.
  • Please use or commuting – The higher the mileage driven each year the higher your rate. The majority of insurers charge to insure your cars based on their usage. Cars left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.
  • Liability coverage is peace of mind – Liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.

Comprehensive Auto Insurance Comparison in Newport, Kentucky

There are multiple methods to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste hours discussing policy coverages with insurance companies in Newport, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each participating company returns a competitive quote for coverage. This system prevents you from having to do quotation requests to every company.

To compare pricing click here to start a free quote.

The one disadvantage to using this type of system is you cannot specify which carriers to get pricing from. If you wish to select specific insurance companies to compare rates, we have assembled a list of low cost auto insurance companies in Kentucky. Click to view list.Newport auto insurance

Whichever method you choose, ensure you are comparing the exact same coverages with each company. If your comparisons have higher or lower deductibles you will not be able to make an equal comparison in Newport.

More discounts equal less premium

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we researched some of the best known and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts of more than 20%.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Low Mileage – Keeping the miles down can qualify you for discounted rates on garaged vehicles.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

For a list of providers who offer auto insurance discounts in Kentucky, follow this link.

Online quotes with a local Newport insurance agent

Some consumers would prefer to sit down with an agent and that is OK! Professional agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain better rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, your insurance data is emailed to local insurance agents in Newport who will battle for your insurance coverage. There is no need to leave your house as quotes are delivered straight to your inbox. How cool is that?!

Picking an insurer shouldn’t rely on just the price. These are valid questions to ask:

  • Is assistance available after office hours?
  • Is their price quote a firm figure or are their hidden costs?
  • Can they provide you with a list of referrals?
  • Do they carry Errors and Omissions coverage?
  • Are claims handled at the agent’s location?
  • Does the agency support the community they serve?
  • Are you getting all the discounts the company offers?
  • What is the agency’s Better Business Bureau rating?

If you wish to select a specific agent in Newport, click here to link.

Once you have received reasonable responses to any questions you have in addition to an acceptable price estimate, you’ve probably found an provider that meets your needs to provide auto insurance coverage.

Newport auto insurance

More detailed Kentucky auto insurance information can be found at the Kentucky Department of Insurance website. Consumers can find a variety of consumer forms, file complaints about an insurance agent or broker, view a list of available companies, and read state legal mandates and laws.

More related Newport auto insurance information:

In conclusion

When you buy insurance online, you should never buy less coverage just to save a little money. There have been many cases where someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, policy cancellation and poor customer service. Regardless of your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

We covered a lot of information how to get a better price on auto insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the most savings is with the least-expected company.