10 Must-Know Techniques When Shopping for Danville, KY Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Companies like GEICO, 21st Century and Progressive increase brand awareness with catchy ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

Make smart decisions and save

It’s important that you understand the rating factors that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to big savings.

More miles equals more premium – The more you drive each year the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy is showing the correct driver usage.
Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as lawyers, architects and accountants tend to have higher rates than average in part from high stress and long work hours. On the flip side, professions such as pilots, athletes and homemakers receive lower rates.
Performance makes a difference – The performance level of the vehicle you own makes a huge difference in your rates. The lowest rates tend to be for low performance passenger cars, but there are many factors that impact the final cost.
Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes are in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
Poor credit can mean higher rates – Having a bad credit score is a important factor in determining your rates. People with good credit tend to be more responsible than drivers who have lower ratings. If your credit score is low, you could be paying less to insure your by improving your rating.
Protect your assets with liability insurance – Liability insurance is the coverage that protects you if ever you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Fast and Easy Danville Auto Insurance Quotes

When shopping for auto insurance there are multiple ways to get quotes from different in Danvilleinsurance companies. The fastest way to find competitive insurance rates involves getting comparison quotes online. This can be done in several different ways.

One of the simplest ways to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for each company you want a rate for. Just one form will get you rate comparisons from all major companies.
A harder way to shop for auto insurance online requires a trip to each individual company website to request a price quote. For examples sake, we’ll pretend you want comparison quotes from Farmers, 21st Century and American Family. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method.
For a list of links to insurance companies in Danville, click here.
The least recommended method of getting rate comparisons to and from local Danville insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed Danville agents. You can, however, get the lowest quotes online but still have the advice of a local agent and we’ll talk about that later.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverage limits and deductibles on every quote you get. If you enter unequal deductibles or liability limits you can’t possibly make a fair comparison in Danville. Slightly different limits can result in a big premium difference. It’s important to know that having more price comparisons helps you find lower pricing.

Do drivers who switch really save $438 a year?

Companies like Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. All the ads have a common claim of big savings after switching to their company. But how can every company claim to save you money?

All the different companies have a preferred profile for the driver they prefer to insure. An example of a profitable customer might be between 25 and 40, has no driving citations, and has a short commute. A driver who fits that profile will get the preferred rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for this ideal profile will be quoted higher premiums which leads to business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s why companies can claim big savings. This emphasizes why you need to get as many quotes as possible. It is impossible to predict the company that will provide you with the cheapest rates.

Take advantage of discounts

Car insurance companies don’t list every available discount very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

Resident Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
Sign Online – Some insurance companies will give a small break for buying your policy on their website.
Safe Drivers – Drivers who avoid accidents can pay as much as 50% less than less cautious drivers.
Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.
Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

Consumers should know that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. Danville Kentucky insurance comparisons

To choose insurance companies with discount auto insurance rates in Danville, click here.

Neighborhood agents for auto insurance

Certain consumers would prefer to talk to a local agent and that is OK! One of the best bonuses of comparing rates online is the fact that you can find the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, the quote information is submitted to participating agents in Danville who will compete for your coverage. You won’t need to leave your house due to the fact that quote results will go to the email address you provide. Now that’s easy! You can find better rates without the usual hassles of price shopping.

Picking a company should depend on more than just the bottom line cost. Ask your prospective agent these questions:

Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Do they make recommendations based only on price?
Is the agency involved in supporting local community causes?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Do they carry Errors and Omissions coverage?
Will your rates increase after a single accident?
Can glass repairs be made at your home?
Do clients work directly with the agent or are most inquiries handled by a CSR?

Independent or Captive: It’s your choice

When searching for a reliable agent, there are two different agency structures that you can select. Agents are categorized either captive or independent (non-captive).

Agency Captives

Captive agents are contracted to one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies receive extensive training on their company’s products which helps them compete with independent agents.

Shown below is a list of captive agencies in Danville willing to provide price quotes.

State Farm Insurance – 1529 Hustonville Rd – Danville, KY 40422 – (859) 236-5218
Shelter Insurance – 905 Hustonville Rd # 3 – Danville, KY 40422 – (859) 238-2163
Kentucky Farm Bureau Insurance – 446 N Danville Byp – Danville, KY 40422 – (859) 236-4081

Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.

When comparison shopping, it’s a good idea to include at least one independent agent for maximum quote selection.

Below are independent agents in Danville that are able to give price quote information.

Martin Agency Inc – 430 W Walnut St – Danville, KY 40422 – (859) 236-6782
Auto Insurance Network Inc – 1114 Hustonville Rd – Danville, KY 40422 – (859) 238-9785
Rightmyer Insurance Inc – 129 N 4th St – Danville, KY 40422 – (859) 236-4860

For a complete listing of Danville insurance agents, simply jump to this page.

After getting reasonable responses for all questions you ask and locked in a price quote, most likely you have located an auto insurance agent that will service your policy.

Additional detailed information is available at the Kentucky Department of Insurance website. Consumers can view agent and company licensing information, read industry bulletins, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

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Affordable insurance is out there

In this article, we covered some good ideas how to reduce auto insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the most savings is with a lesser-known regional company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

Lower-priced auto insurance can be purchased both online as well as from independent agents in Danville, so you should compare both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.