Shively Car Insurance For Less Than You’re Paying Now

I can’t think of anyone who enjoys paying for car insurance, particularly when their premiums are through the roof.

Lots of car insurance companies contend for your business, so it can be very hard to choose a company to find the absolute best rates possible.

If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you in Shively is not rocket science. Although Kentucky vehicle owners should learn how the larger insurance companies market on the web.

Cut your premium with discounts

Companies don’t always publicize every discount very well, so we researched some of the best known and the more hidden ways to save on car insurance.

  • Fewer Miles Equal More Savings – Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less than less cautious drivers.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Defensive Driving Course – Taking a driver safety course can save you 5% or more depending on where you live.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

To choose providers with discount car insurance rates in Kentucky, follow this link.

How to Compare Shively Car Insurance Costs

Performing a rate comparison can be a daunting task if you aren’t aware of the easiest way. You can waste a few hours (or days) talking to insurance companies in Shively, or you can utilize the internet to maximize your effort.

Many companies participate in an industry program that enables customers to complete one form, and at least one company then returns a price quote determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

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

The only drawback to using this type of system is you cannot specify which insurance companies you will receive quotes from. If you would rather choose from a list of companies to compare rates, we have a listing of car insurance companies in Kentucky. Click here to view list.

It’s your choice how you get your quotes, but make sure you use apples-to-apples coverages on every quote you get. If each company quotes higher or lower deductibles it will be next to impossible to decipher which rate is best in Shively. Having just a slight variation in limits may result in large price differences. It’s important to know that quoting more will increase your chances of finding the best rates.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-85.jpg" alt="Shively Kentucky auto insurance“/>

Buy Cheaper Car Insurance with These Tips

Smart consumers have a good feel for the rating factors that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get better car insurance rates.

  • How’s your driving record? – Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Even one citation can bump up the cost twenty percent or more. Drivers who get flagrant violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • No coverage gaps is important – Allowing your coverage to lapse will be a fast way to increase your car insurance rates. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with the Kentucky DMV.
  • How your age affects price – Mature drivers tend to be more responsible, file fewer claims and get fewer tickets. Teenage drivers are statistically proven to be more careless in a vehicle therefore car insurance rates are much higher.
  • Discounts for married couples – Getting married can actually save you money when buying car insurance. Having a significant other means you’re more mature than a single person and it’s statistically proven that drivers who are married are more cautious.

What if I want to buy from a local Shively agent?

Certain consumers prefer to talk to a local agent and that is OK! The biggest benefit of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent.

Once you complete this quick form, your coverage information is sent to local insurance agents in Shively who will compete for your insurance coverage. There is no reason to leave your computer since price quotes are sent directly to your email. How cool is that?! Get lower rates AND an agent nearby.

Deciding on a company needs to be determined by more than just the bottom line cost. Agents should be asked these questions:

  • Do they assist clients in filing claims?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is working in the agency their full-time job?
  • Who are their largest clients?
  • Do they feel the quoted coverages are adequate?
  • Did they already check your driving record and credit reports?

Two different types of insurance agencies

When researching a local agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Shively agents can either be independent or captive.

Captive Insurance Agents

Captive insurance agents have only one company to place business with such as State Farm, Allstate and AAA. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents are well schooled on their company’s products and that can be a competitive advantage.

Below is a short list of captive insurance agents in Shively that are able to give price quote information.

Farm Bureau Insurance – 3216 Crums Ln – Shively, KY 40216 – (502) 447-0487
Allstate Insurance – 5131 Dixie Hwy # B – Shively, KY 40216 – (502) 448-4840
State Farm Insurance – 4729 Dixie Hwy – Shively, KY 40216 – (502) 448-6100

Independent Agents

Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.

When comparing rates, we recommend you include at a minimum one independent agency for maximum quote selection.

Below are Shively independent insurance agents who can help you get price quote information.

Car insurance in Kentucky

Farm Bureau Insurance – 3216 Crums Ln – Shively, KY 40216 – (502) 447-0487
Reeves Insurance – 3616 Dixie Hwy – Shively, KY 40216 – (502) 448-6226

To view a full list of licensed insurance agents in Shively, visit this site.

After getting answers to your satisfaction to these questions in addition to an acceptable price estimate, most likely you have located an insurance agent that will insure your vehicles.

Shop smart and save

Throughout this article, we presented many ways to shop for car insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small mutual company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many cases where drivers have reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Cheaper car insurance can be purchased on the web and with local Shively insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Even more information can be found at the Kentucky Department of Insurance website. Kentucky drivers can find out which companies have the most complaints, read enforcement actions against agents and companies, read industry bulletins, and discover disciplinary actions.

Also read more on this page for car insurance prices in Kentucky and this page for help finding agents in Shively, KY.