Best 7 Ways You Can Buy Car Insurance for Less in Hopkinsville

If you’re new to shopping for car insurance online, it’s easy to be confused by the sheer number of companies selling insurance in Hopkinsville.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Pricing affordable car insurance in Hopkinsville is simple if you know the tricks. Although Kentucky drivers do need to learn the way insurance companies determine prices and take advantage of how the system works.

Don’t overlook these seven discounts

Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so we took the time to find some of the best known and the more hidden ways to save on car insurance.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Student in College – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house demonstrates responsibility.

It’s important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

For a list of insurance companies who offer car insurance discounts in Kentucky, click here.

Automobile Insurance Quotes in Hopkinsville, Kentucky

There are several ways to compare rate quotes from different in Hopkinsville, Kentuckyinsurance companies. The best method to find the lowest rates is simply to get online rate quotes. This can be accomplished in several different ways.

  • The best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do separate forms to each individual car insurance company. One form submission will return price quotes from multiple companies. Just one form and you’re done.
  • A slightly less efficient method to get comparison quotes is to take the time to go to each company’s website and complete a new quote form. For example, let’s say you want comparison quotes from Liberty Mutual, Allstate and American Family. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker.

    For a list of links to insurance companies in Hopkinsville, click here.

  • The most time-consuming way to compare rates to local insurance agencies. The internet makes this process obsolete unless you want the trained guidance only provided by licensed agents. You can, however, price shop online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just double check that you are using the exact same coverage limits for every quote you compare. If you have unequal deductibles or liability limits it will be impossible to determine which rate is truly the best in Hopkinsville. Slightly different insurance coverages may result in a large different in cost. It’s important to know that getting more free quotes will improve the odds of getting the best price.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Is my nanny covered when driving my vehicle?
  • Should I rate my vehicle as pleasure use or commute?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why is insurance for a teen driver so high in Hopkinsville?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

But buying car insurance online seems impersonal

Some consumers would rather buy from a licensed agent and that is just fine! The biggest benefit of getting online price quotes is the fact that you can find the best rates but also keep your business local.

By using this quick form, your insurance coverage information is immediately sent to participating agents in Hopkinsville who will return price quotes for your coverage. You don’t have to even leave your home since price quotes are sent to the email address you provide. Get lower rates and a licensed agent to work with.

Selecting an insurer requires more thought than just the premium amount. Ask your prospective agent these questions:

  • Do they specialize in personal lines coverage?
  • Are they able to influence company decisions when a claim is filed?
  • Does the agency provide any after hours assistance?
  • Do they assist clients in filing claims?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • What are the financial ratings for the companies they represent?
  • Who are their largest clients?

If you wish to view licensed agents in Hopkinsville, simply jump to this page.

After getting reasonable responses to your questions and an acceptable price quote, most likely you have located an insurance company that meets your needs to properly service your car insurance policy. But remember, once you purchase a policy you can cancel your coverage for any reason so don’t feel you are locked into a policy for the entire policy term.

Is there truth in advertising?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to make an identical promise that you’ll save big if you move to them. How can each company claim to save you money?

Different companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured could be a mature driver, has no driving citations, and has a high credit rating. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don’t measure up to the requirements will be charged more money which leads to the customer not buying. The ads say “people who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently make those claims. That is why you need to compare many company’s rates. You cannot predict which company will fit your personal profile best.

Auto insurance coverages

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage

This covers damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, crashing into a building, backing into a parked car and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your vehicle.

Since a lot of drivers carry very low liability coverage limits (25/50/10 in Kentucky), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability insurance

This protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, legal defense fees, repair bills for other people’s vehicles, court costs and emergency aid. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford. Kentucky state law requires minimum liability limits of 25,000/50,000/10,000 but it’s recommended drivers buy more coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, EMT expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, theft and damage from getting keyed. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

And the best car insurance company is…

Consumers who switch companies do it for a variety of reasons including denial of a claim, questionable increases in premium, lack of trust in their agent and unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

Throughout this article, we presented a lot of tips how to shop for car insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from a lesser-known regional company.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford.

More consumer information in Kentucky

Additional detailed information is available at the Kentucky Department of Insurance website. Kentucky drivers can file complaints about a company, file complaints about an insurance agent or broker, and read state legal mandates and laws.