Free Guide to Paying Less for Somerset Kentucky Auto Insurance Online

Have you had enough of not being able to afford to buy car insurance? Your situation is no different than most other car owners in Kentucky. Consumers have many car insurance companies to pick from, and although it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost auto insurance.

It’s a great practice to take a look at other company’s rates every six months since rates change regularly. Just because you found the best rates two years ago there may be better deals available now. There is too much inaccurate information about auto insurance online, so with this article, you’re going to get some great ideas on how to slash your auto insurance rates.

Finding affordable coverage in Somerset is not that difficult. If you currently have car insurance, you should be able to save some money using this information. Kentucky drivers just need to understand the proper way to find the lowest price over the internet.

Lower rates by qualifying for discounts

Auto insurance companies don’t always publicize every discount very well, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you’re paying more than you need to.

Safety Course Discount – Completing a driver safety course can save you 5% or more if your company offers it.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
No Charge for an Accident – Certain companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
Paperwork-free – A few companies will give a small break for buying your policy digitally online.
Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less than their less cautious counterparts.
Fewer Miles Equal More Savings – Fewer annual miles could qualify for a substantially lower rate.
Accident Free – Claim-free drivers pay less when compared to accident-prone drivers.

Keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

Factors that affect insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-35.jpg" alt="Somerset Kentucky car insurance quote”/>

Shown below are some of the items used by your company to calculate rates.

Do you know your deductibles? – Deductibles for physical damage define the amount you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more expense you’re willing to pay, the less your auto insurance will be.
Performance influences rates – The make and model of the vehicle you are buying insurance for makes a substantial difference in your rates. Small economy passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
Protect yourself with liability coverage – Liability coverage provides coverage if a jury decides you are liable for damages from an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
You might want pay the small claims yourself – Auto insurance companies in Kentucky give better rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Your insurance policy is intended to be relied upon for larger claims.
Add-on coverages can add up – There are a ton of add-on coverages that can waste your money when buying auto insurance. Insurance for roadside assistance, accident forgiveness and motor club memberships may be costing you every month. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
More miles equals more premium – The more you drive in a year’s time the more you will pay for auto insurance. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance policy shows the correct driver usage.

Slick advertising tricks that work

Consumers in Kentucky get pounded daily by advertisements for car insurance savings by companies like 21st Century, Allstate and State Farm. They all seem to say the same thing about savings if you move to them.

How do they all claim to save you money?

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a profitable customer might be profiled as between 25 and 40, has no driving citations, and chooses high deductibles. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who do not match these standards will have to pay more money and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully make those claims. Because of the profiling, drivers must get as many comparisons as possible. It’s impossible to know which auto insurance company will give you the biggest savings.

For more information

More tips and info about auto insurance is available at the Kentucky Department of Insurance website. Kentucky consumers can find out which companies have the most complaints, report car insurance fraud, and find disaster information.

Other useful links include FindNewCarInsurance.com and CarInsuranceDIY.com.

Better coverage you can count on

We just showed you quite a bit of information on how to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with some of the lesser-known companies. They may have significantly lower rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

Lower-priced auto insurance is definitely available on the web and also from your neighborhood Somerset agents, so you should be comparing quotes from both to have the best selection. A few companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.