Overpriced car insurance can dwindle your checking account and make it impossible to make ends meet. Shopping your coverage around is a smart way to lower your monthly bill. Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rates possible.
It’s a good idea to shop coverage around at least once a year due to the fact that insurance rates are variable and change quite frequently. Just because you had the lowest rates on your last policy there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re about to learn how to use online quotes to eliminate unnecessary coverages and save money.
All major car insurance companies give coverage prices on their websites. Getting online quotes is pretty painless as you simply type in as requested by the quote form. When the form is submitted, the company’s rating system pulls your driving record and credit report and generates a price based on these and other factors. This streamlines rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. Unfortunately, it is important to do this in order to find the best price on car insurance.
Rate comparisons made easy
A less time-consuming method to compare car insurance pricing requires only one form that gets price quotes from many companies. This type of form saves time, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. After sending your information, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you simply finish the application and buy the new coverage. It takes 15 minutes at the most and may result in a nice savings.
To quickly find out how much you’re overpaying now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you replicate your coverages just like they are on your policy. This makes sure you’re receiving a rate comparison for exact coverage.
Companies offering auto insurance don’t always publicize all their discounts very well, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit possible, you’re paying more than you need to.
Keep in mind that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.
To see a list of insurers who offer car insurance discounts in Shelbyville, click this link.
Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.
A small number of people would rather visit with an insurance agent and that is a personal choice. Good agents can point out coverage gaps and give you someone to call. The best thing about getting online price quotes is the fact that you can find lower rates and still choose a local agent.
To make it easy to find an agent, after completing this simple form, the coverage information is submitted to local insurance agents who will return price quotes for your coverage. You won’t need to drive around because quoted prices will be sent to the email address you provide. How’s that for easy!
Picking an insurer needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
When finding a reputable insurance agent or broker, you need to know there are two types of agencies to choose from. Agents are classified as either captive or independent. Both types can do a good job, but it’s worth learning how they differ because it can impact buying decisions.
Captive agencies can only place business with one company like American Family, State Farm and Allstate. These agents are unable to compare other company’s rates so keep that in mind. They are trained well on the products they sell which can be an advantage.
Below are captive agencies in Shelbyville that are able to give rate quotes.
Shelter Insurance – 324 Main St # 1 – Shelbyville, KY 40065 – (502) 633-4827
Farm Bureau Insurance – 1201 Mount Eden Rd # 201 – Shelbyville, KY 40065 – (502) 633-2310
State Farm Insurance – 203 Alpine Dr – Shelbyville, KY 40065 – (502) 633-2281
These agents are not locked into one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When searching for an agent, it’s recommended you include price quotes from at a minimum one independent agency to have the most options to choose from.
Below are Shelbyville independent agencies that are able to give price quotes.
Armstrong Agency Inc – 721 Main St – Shelbyville, KY 40065 – (502) 633-2247
American National Insurance Co – 12 Main St – Shelbyville, KY 40065 – (502) 647-6021
Cecil Nethery Insurance – 311 Main St – Shelbyville, KY 40065 – (502) 633-1829
For a complete listing of insurance agents in Shelbyville, go to this page.
Upon receiving acceptable answers to these questions as well as a affordable price, it’s possible that you found an auto insurance agent that can service your policy.
More detailed Kentucky car insurance information can be found at the Kentucky Department of Insurance website. Kentucky consumers can view agent and company licensing information, learn about specific coverages, and discover disciplinary actions.
Budget-conscious car insurance is definitely available from both online companies and also from your neighborhood Shelbyville agents, so you should be comparing quotes from both to have the best rate selection. A few companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.
When shopping online for car insurance, never buy less coverage just to save a little money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.