Elizabethtown Kentucky Auto Insurance Savings the Insurance Agents Don’t Want You to Know About

Overwhelmed by the sheer number of auto insurance companies in Elizabethtown? Many other drivers are as well. Consumers have so many options available that it can quickly become a real challenge to find the lowest price.

If you have a current auto insurance policy or need a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. The purpose of this post is to help you learn the most effective way to quote insurance and some tips to save money. Kentucky consumers just need to learn the proper way to compare prices on the web.

How to Compare Auto Insurance Quotes in Elizabethtown, KY

Most major insurance companies like State Farm and Allstate provide prices on the web. Obtaining pricing is pretty easy as you just enter the coverages you want into the quote form. When complete, their rating system requests credit information and your driving record and generates a price based on these factors.

This makes comparing rates easy, but the work required to visit multiple sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price on auto insurance.

An easier way to find better auto insurance pricing is to use a quote form that gets prices from a bunch of companies at once. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, it gets priced with multiple companies and you can pick any one of the returned quotes. If a lower price is quoted, you can click and sign and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.

To save time and get comparison pricing now, click here and enter your information. If you have your current policy handy, we recommend you enter the insurance coverages identical to your current policy. This makes sure you will receive a rate comparison using the same coverage and limits.

Get Cheaper Rates by Understanding Pricing

It’s important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.

Shown below are a partial list of the pieces used by your company to calculate premiums.

  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates.
  • More than one policy can earn a discount – Many auto insurance companies will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare rates to verify if the discount is saving money.
  • Your location affects your rates – Choosing to live in a small town can save you money when insuring your vehicles. Fewer drivers translates into fewer accidents and a lower car theft rate. Drivers in populated Kentucky areas regularly have traffic congestion and longer commute times. Higher commute times can result in more accidents.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection when a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Equipment add-ons that lower auto insurance rates – Driving a car with a theft deterrent system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • What are your deductibles? – Physical damage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more money you’re willing to pay, the bigger discount you will receive.
  • Having a spouse can save you money – Having a spouse actually saves money on your policy. It is viewed as being more responsible and it’s proven that married drivers get in fewer accidents.
  • No coverage gaps is important – Driving with no insurance is a misdemeanor and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance might get you a license revocation or jail time.

More discounts equal less premium

Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you are throwing money away.

  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Homeowners Discount – Owning a home in Elizabethtown can save you money due to the fact that maintaining a home shows financial diligence.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accident claims.

Keep in mind that most credits do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.

When might I need the advice of an agent?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.insurance quote Elizabethtown

For example, these questions could help you determine if your situation may require specific advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I crash into my own garage door?
  • What is the minimum liability in Kentucky?
  • If my vehicle is totaled, can I afford another vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I have combined single limit or split liability limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Neighborhood insurance agents

A small number of people just want to get advice from a local agent and there is nothing wrong with that. Agents can point out coverage gaps and give you someone to call. The biggest benefit of getting online price quotes is you may find the best rates and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), your information is sent to participating agents in Elizabethtown who will battle to get your business. There is no reason to leave your computer as quotes are delivered straight to your inbox. It doesn’t get any easier!

Deciding on an provider requires more thought than just a low price. Ask your prospective agent these questions:

  • Do they review policy coverages at every renewal?
  • What insurance companies do they recommend if they are an independent agent?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Can they give you a list of client referrals?
  • Are claims handled at the agent’s location?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do the companies they represent have a solid financial rating?

Elizabethtown auto insurance agents come in two flavors

When finding a good insurance agency, there are two types of agencies that you can select. Agencies in Elizabethtown can either be independent (non-captive) or captive. Both types can do a good job, but it’s worth mentioning how they differ since it may influence your selection of an agent.

Captive Agents

These agents work for only one company and examples are State Farm, AAA and Liberty Mutual. They generally cannot shop your coverage around so they have no alternatives for high prices. Captive agencies are trained well on their products and sales techniques and that can be a competitive advantage. Consumers sometimes buy from captive agents mainly due to high brand loyalty and solid financial strength.

Shown below are Elizabethtown captive insurance agencies that are able to give comparison quotes.

  • State Farm Insurance – 308 W Dixie Ave – Elizabethtown, KY 42701 – (270) 765-2253
  • Allstate Insurance – 618 Westport Rd – Elizabethtown, KY 42701 – (270) 765-5588
  • Kentucky Farm Bureau Ins Co – 2909 Ring Rd – Elizabethtown, KY 42701 – (270) 765-4400
Independent Insurance Agents

Independent agents are not required to write business for one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency.

When comparison shopping, you should always get quotes from at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with smaller regional carriers which can save you money.

Listed below is a list of independent agents in Elizabethtown willing to provide comparison quotes.

insurance quote Elizabethtown

  • Bluegrass Insurance – 620 Westport Rd – Elizabethtown, KY 42701 – (270) 769-5555
  • Direct General Ins Agency – 604 N Mulberry St # D – Elizabethtown, KY 42701 – (270) 765-5457
  • Richardson Insurance – 1512 N Dixie Hwy – Elizabethtown, KY 42701 – (270) 234-0757

To view a full list of insurance agents in Elizabethtown, go to this page.

After getting positive responses for all questions you ask and locked in a price quote, you may have just found an insurance agency that is a good match to properly insure your vehicles.

One last thing about your coverage

Consumers change insurance companies for many reasons like being labeled a high risk driver, delays in paying claims, high prices and even delays in responding to claim requests. Regardless of your reason, choosing a new company can be pretty painless.

Cheap auto insurance is attainable on the web as well as from independent agents in Elizabethtown, and you need to price shop both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and these small insurance companies work with independent agents.

In this article, we presented many ways to save on auto insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the most savings is with some of the lesser-known companies.

For more reading

Additional detailed information can be read at the Kentucky Department of Insurance website. Kentucky drivers can discover disciplinary actions, find disaster information, file complaints about a company, and view a list of available companies.