Techniques for Paying Less for Florence, KY Auto Insurance Rates

I can’t think of anyone who likes paying for auto insurance, especially when their premiums are through the roof. Companies like GEICO, 21st Century and Progressive persitently shower you with ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

It’s smart to take a look at other company’s rates quite often because rates are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. So just forget all the misinformation about auto insurance because we’re going to show you the only way to find lower rates on auto insurance.

Auto Insurance Comparison Rates in Florence, KY

Reducing your insurance rates is a fairly straight forward process. All you need to do is take a few minutes to get quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The easiest and least time consuming way to get quotes is a comparison rater form click here to open form in new window. This type of form eliminates the need for a different quote for each company you want a rate for. Just one form gets you price quotes from several companies.
  • A different way to compare prices consists of going to each individual company website and fill out their own quote form. For examples sake, we’ll pretend you want comparison quotes from Liberty Mutual, 21st Century and Allstate. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in Florence, click here.

It doesn’t matter which method you choose, just make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If you enter different deductibles you will not be able to determine which rate is truly the best in Florence.

Be sure to get all your discounts

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be inquired about prior to getting the savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% with select insurance companies.

Consumers should know that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will bring down your premiums.

How do I know if I need professional advice?

When choosing the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining if your insurance needs may require specific advice.

  • Should I buy more coverage than the required Kentucky minimum liability coverage?
  • Is my nanny covered when driving my vehicle?
  • Are my friends covered when driving my vehicle?
  • Why is insurance for a teen driver so high in Florence?
  • Am I covered if I crash into my own garage door?
  • Am I covered when driving in Canada or Mexico?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Kentucky car insurance prices

More information can be found on the website for the Kentucky Department of Insurance located here. Kentucky consumers can find out industry alerts, find out which companies have the most complaints, and discover disciplinary actions.

Other informative sites include Wikipedia and this page of Florence insurance agents.