Pay Less for Somerset Kentucky Car Insurance Rates in Five Minutes

Having to pay for overpriced car insurance can drain your savings account, especially in this economy. Shopping your coverage around is a smart way to cut your insurance bill. There are many car insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to find the best rates.

You should make it a habit to shop coverage around on a regular basis because insurance rates change frequently. Just because you found the best deal six months ago you will most likely find a better rate today. There is a lot of bad information regarding car insurance online, so with this article, you’re going to get some tested techniques to quit paying high car insurance rates.

Buying car insurance in Somerset is quite easy. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Kentucky consumers only need an understanding of the best way to compare price quotes on the web.

How to Get Somerset Car Insurance Comparison Quotes

There are several ways to compare car insurance quotes, but there is one way that is less time-consuming than others. You can waste a lot of time talking about coverages with agents in Somerset, or you can utilize online quotes to get pricing more quickly.

Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and each company then returns a price quote for coverage. This eliminates the need for repetitive form submissions for every car insurance company.

To access this free quoting program, click here to open in new window.

The only downside to using this type of form is that you can’t choose which carriers you want to price. So if you want to choose individual companies to receive pricing from, we put together a list of low cost car insurance companies in Kentucky. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage information for each price quote. If the quotes have mixed coverages it’s impossible to determine the lowest rate in Somerset.Somerset insurance ad

These discounts can lower your rates

Car insurance companies don’t always list all their discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Good Student – This discount can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Accident Waiver – A few companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Homeowners Pay Less – Owning a home in Somerset may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break on car insurance.
  • Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.

It’s important to note that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way.

For a list of insurance companies with discount car insurance rates in Somerset, click here.

What happened to insurance agents?

Certain consumers prefer to get advice from a local agent and that is OK! Educated insurance agents can help determine the best coverages and give you peace of mind. The best thing about comparing rates online is you may find lower rates but also keep your business local.

Upon completion of this form (opens in new window), your insurance coverage information is transmitted to companies in Somerset who will return price quotes to get your business. There is no need to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy!

Choosing a company requires more thought than just a low price. Here are some questions to ask:

  • Will your rates increase after a single accident?
  • How much will you save each year by using a higher deductible?
  • Are there any discounts that you might be missing?
  • Does the agency have a good rating with the Better Business Bureau?
  • Is the agent and/or agency licensed to do business in Kentucky?
  • Are claims handled at the agent’s location?
  • Can they give you a list of client referrals?

If you prefer to select a specific agent in Somerset, click here to link.

After getting acceptable answers to any questions you have and an affordable coverage quote, chances are good that you have found an provider that meets your needs to insure your vehicles.

More detailed Kentucky car insurance information is available at the Kentucky Department of Insurance website. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, download brochures, and find out industry alerts.

Somerset Kentucky insurance cheap

Other useful links include Auto Insurance 101 and this page of insurance agents in Somerset.

One last thing about your coverage

Lower-priced car insurance is attainable from both online companies and also from your neighborhood Somerset agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented a lot of techniques to get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.