Pay Less for Berea, KY Car Insurance Rates in Five Minutes

Sick and tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

You have so many car insurance companies to insure vehicles with, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates.

You should make it a habit to compare prices every six months because insurance rates trend upward over time. Just because you found the best rates two years ago other companies may now be cheaper. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to learn the easiest way to reduce your cost while increasing coverage.

Compare Quotes for Berea Car Insurance

Most companies give prices for coverage on their websites. Obtaining pricing is fairly simple as you just type in your coverage information as detailed in the form. After the form is submitted, the system makes automated requests for your driving record and credit report and provides a quote determined by many factors. Online quotes simplifies rate comparisons, but the work required to visit a lot of sites and type in the same information can get tiresome after awhile. But it is imperative to do this in order to get the lowest price.

The quickest way to locate the lowest prices requires only one form to return rates from multiple companies. The form is fast, reduces the work, and makes quoting online a lot less work. Immediately after you send the form, your coverage is rated and you can choose your choice of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you input deductibles and limits as close as possible to your current policy. This guarantees you will have a price comparison based on identical insurance image

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the same claim that you can save if you switch to their company. How can each company make the same claim?

All companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured might be profiled as between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get very good rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t meet the requirements will have to pay higher premiums and this can result in business going elsewhere. The ads state “drivers who switch” not “people who quote” save that much. That is how insurance companies can advertise the savings. Because of the profiling, it is so important to compare many company’s rates. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Do you qualify for discounts?

Companies that sell car insurance do not advertise all available discounts in a way that’s easy to find, so we researched both well-publicized and also the lesser-known savings tricks you should be using.

  • Organization Discounts – Belonging to a professional or civic organization could trigger savings when buying car insurance.
  • Low Mileage Discounts – Keeping the miles down can earn lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10%.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Paperwork-free – Certain companies will give a small break for buying your policy digitally online.
  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.

Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of providers with the best car insurance discounts in Berea, follow this link.

More tips and info about car insurance can be found at the Kentucky Department of Insurance website. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, find a variety of consumer forms, and get help finding coverage.

Berea insurance cheap

These articles may also be worth reading.

Better coverage you can count on

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, someone dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

The cheapest car insurance can be purchased both online as well as from independent agents in Berea, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.