Free Guide to Cutting Costs on Jeffersontown Auto Insurance Online

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you many Jeffersontown consumers feel financially strained by their auto insurance policy. Companies like State Farm and GEICO all promote huge savings with ads and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

You should make it a habit to take a look at other company’s rates yearly because prices change regularly. Just because you had the best deal a year ago you can probably find a better price now. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to learn how to quote online to reduce your cost while increasing coverage.

How to Lower Your Auto Insurance Cost in Jeffersontown, Kentucky

Reducing your insurance rates can be quick and easy. The only thing you need to do is take the time to get quotes online with multiple companies. This is very easy and can be done in several different ways.

The recommended way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form submissions for every auto insurance company. Taking the time to complete one form will return price quotes from many national carriers.

A different way to shop for auto insurance online is to manually visit each company website and fill out their own quote form. For examples sake, let’s assume you want rates from Allstate, Esurance and Liberty Mutual. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method.

For a handy list of car insurance company links in Jeffersontown, click here.

Whichever way you use, ensure you’re using identical coverages and limits for every quote you compare. If you enter mixed coverages you can’t possibly truly determine the lowest rate in Jeffersontown.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t list all their discounts very clearly, so we researched both well-publicized and also the lesser-known savings tricks you should be using. If you’re not getting every credit you deserve, you are throwing money away.

  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Save over 55 – Older drivers may be able to get a small decrease in premiums.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less than less cautious drivers.

Keep in mind that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free auto insurance policy, it doesn’t quite work that way.

To see a list of insurance companies with discount auto insurance rates in Jeffersontown, click this link.

Car insurance is unique, just like you

When choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. These are some specific questions can aid in determining if you may require specific advice.

  • If my vehicle is totaled, can I afford another vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Can I still get insurance after a DUI?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy additional glass protection?
  • What happens if I owe more than my vehicle is worth?
  • When should I not file a claim?
  • What are Kentucky no-fault laws?
  • Does coverage extend to a rental car in a foreign country?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Smart Buyers can Save Money

It’s important that you understand the rating factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that can help you get big savings.

The list below includes a few of the “ingredients” that factor into your rates.

  • Women pay lower rates – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. They both cause accidents at a similar rate, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Adjust deductibles and save – Your deductibles define the amount you are required to spend before your auto insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more you have to pay, the bigger discount you will receive.
  • Keep rates low by being claim-free – Insurance companies in Kentucky generally give better rates to insureds who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Occupations like doctors, architects and dentists tend to have the highest average rates due to high stress levels and long work hours. Other occupations like pilots, historians and homemakers receive lower rates.
  • Add-on coverages can add up – There are many additional coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Cautious drivers pay less – Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket can increase rates by as much as thirty percent. Good drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Better credit scores mean better rates – Credit history is a important factor in calculating your auto insurance rates. Therefore, if your credit history is not that good, you could potentially save money when insuring your by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores.

Can switching companies really save?

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm, GEICO and Progressive. All the companies have a common claim that you’ll save big if you change your policy.

But how can every company make the same claim?

All the different companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a driver they prefer could possibly be between 25 and 40, is a homeowner, and has a short commute. A customer who meets those qualifications receives the best rates and most likely will save a lot of money.

Potential customers who don’t meet the requirements will be charged higher rates which leads to the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently advertise the savings. That is why it is so important to get as many comparisons as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Jeffersontown Kentucky car insurance quote

More comparisons equals lower rates

Affordable auto insurance is definitely available on the web and also from your neighborhood Jeffersontown agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the best price.

You just read a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced auto insurance comes from a small local company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.

Learn more about auto insurance in Kentucky

Even more information is available at the Kentucky Department of Insurance website. Visitors are able to find disaster information, file complaints about an insurance agent or broker, and learn about specific coverages.