Professional Techniques to Paying Less for Fort Thomas, KY Car Insurance

If you’ve never shopped for car insurance online, you may be overwhelmed by the hoards of companies selling insurance in Fort Thomas.

You need to compare rates occasionally because rates fluctuate regularly. Even if you think you had the best price a couple years back there may be better deals available now. So forget anything you know (or think you know) about car insurance because you’re going to learn the quickest way to reduce your cost while increasing coverage.

Where Can I Get Cheap Fort Thomas Car Insurance?

Lowering your car insurance rates is not a difficult process. You just need to take a couple of minutes comparing price quotes online from several insurance companies. This can be accomplished in several different ways.

The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do multiple quote forms to each individual car insurance company. One simple form will get you rate comparisons direct from many companies.It’s the quickest way to get rates.
A slightly less efficient method to analyze rates consists of visiting the website for each individual company and complete a new quote form. For sake of this example, let’s assume you want comparison quotes from State Farm, Safeco and Progressive. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in Fort Thomas, click here.
The least recommended method to compare rates is to waste gas driving to and from local Fort Thomas insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a licensed agent. You can, however, comparison shop online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages with every price quote. If you are comparing differing limits it’s impossible to make an equal comparison in Fort Thomas.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but a few need to be asked for before you will receive the discount. If you don’t get every credit you deserve, you are throwing money away.

Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
No Claims – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
Resident Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
Auto/Home Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Government Employees – Being employed by or retired from a federal job could cut as much as 10% off depending on your company.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut the cost of coverage.

To see a list of insurers with discount car insurance rates in Fort Thomas, click here.

But I prefer to buy car insurance from an agent

Some consumers just want to get advice from a local agent and there is nothing wrong with that. Educated insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is you may find better rates but also keep your business local. And providing support for local insurance agencies is especially important in Fort Thomas.

Once you complete this quick form, your insurance data is instantly submitted to local insurance agents in Fort Thomas who will compete to get your business. You never need to even leave your home as quotes are delivered to your email. It doesn’t get any easier!

Two types of Fort Thomas auto insurance agents

When looking for an insurance agent, there are a couple of different types of agents that you can select. Agents are either independent or captive. Either one can do a good job, but it’s worth mentioning the differences since it can impact buying decisions.

Independent Agents

Independent agents are not locked into one company but instead can place your coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-95.jpg" alt="Fort Thomas Kentucky car insurance quote”/>

When comparing rates, we recommend you get quotes from at a minimum one independent agency for the best price selection. Many write coverage with lesser-known insurance companies which can be an advantage.

Listed below are Fort Thomas independent insurance agents who can help you get price quotes.

Dave Walkenhorst Insurance – 11 S Fort Thomas Ave # 6 – Fort Thomas, KY 41075 – (859) 442-5660
Works Insurance – 880 Alexandria Pike – Fort Thomas, KY 41075 – (859) 441-1784

Captive Insurance Agents

Captive insurance agents work for only one company like Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. They are trained well in insurance sales which helps them compete with independent agents. Some people will only buy insurance from these agents partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

The following is a short list of captive insurance agencies in Fort Thomas that can give you comparison quotes.

State Farm Insurance – 880 Alexandria Pike # 6 – Fort Thomas, KY 41075 – (859) 441-2624

For a full directory of car insurance agents in Fort Thomas, please click here.

Picking a car insurance agent should depend on more than just the bottom line cost. Some important questions to ask are:

Can they provide you with a list of referrals?
Do they specialize in personal lines coverage?
Is working in the agency their full-time job?
Do the coverages you’re quoting properly cover your vehicle?
Are they properly licensed to sell insurance in Kentucky?

Upon receiving reasonable responses to these questions and a good coverage price, you’ve probably found an insurance agency that meets your needs to adequately provide car insurance.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might help in determining if your insurance needs may require specific advice.

Do I have coverage for damage caused while driving under the influence?
When do I need to add a new car to my policy?
What can I do if my company won’t pay a claim?
Does having multiple vehicles earn me a discount?
When should I remove comp and collision on my vehicle?
Should I buy more coverage than the required Kentucky minimum liability coverage?
How much liability coverage do I need in Kentucky?
Should I file a claim if it’s only slightly more than my deductible?
Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn How to Buy Car Insurance Cheaper

It’s important that you understand the different types of things that play a part in calculating the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that may reward you with lower car insurance prices.

Shown below are some of the items car insurance companies consider when setting rates.

Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, executives and dentists tend to pay the highest average rates in part from high stress and lengthy work days. Other professions such as scientists, historians and performers have the lowest average rates.
Do you need the policy add-ons? – There are many add-on coverages that you can get tricked into buying on your car insurance policy. Coverages for personal injury protection, accidental death and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate them to save money.
Men fork out a little more – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving.
Increase deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage from fire, and windstorm damage. Your deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more you’re willing to pay, the lower your rates will be.
Poor driving leads to higher costs – Whether or not you get tickets impacts your car insurance rates tremendously. Good drivers get better rates compared to drivers with tickets. Only having one citation can increase rates by twenty percent. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.

More comparisons equals lower rates

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, delays in responding to claim requests, unfair underwriting practices or even not issuing a premium refund. Whatever your reason, finding a new company is easier than you think.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Lower-priced car insurance can be found both online as well as from independent agents in Fort Thomas, so compare prices from both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

More Kentucky car insurance resources

Additional information is located on the Kentucky Department of Insurance website found here. Kentucky drivers can learn about insurance regulations, find disaster information, and learn about specific coverages.

Other informative sites include QuoteClickInsure.com and this link which helps you find a Fort Thomas agent.