Lowest Car Insurance Exclusively for Winchester Kentucky Residents

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are many people just like you.

Because there are so many companies and agents to choose from, it is hard for the average consumer to choose the most cost effective car insurance company.

You should take the time to get comparison quotes occasionally since insurance rates go up and down regularly. Just because you had the best deal a year ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find better coverage at a better price.

How to Get Cheap Car Insurance in Winchester, Kentucky

Most major insurance companies such as State Farm, Allstate and GEICO quote price estimates directly from their websites. This process is pretty easy as you simply enter your personal and coverage information as requested by the quote form. When complete, the system automatically retrieves information on your driving record and credit history and gives you a price quote. This makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms is monotonous and tiresome. But it is imperative to perform this step in order to get lower prices.

The better way to compare rates

An easier way to get multiple rate quotes is to use a quote form to return rates from a lot of companies. This type of form saves time, requires less work, and makes rate comparisons a lot less work. Once the form is submitted, it gets priced with multiple companies and you can pick any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process only takes a few minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here and complete the simple form. If you have a policy now, it’s recommended you copy coverages and limits identical to your current policy. This ensures you’re receiving rate comparison quotes using the same coverage and limits.

Discounts are available to cut your rates

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but a few need to be requested specifically prior to receiving the credit.

  • Drivers Education – Have your child enroll in driver’s education if offered at their school.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than drivers with accidents.
  • Save over 55 – Older drivers may be able to get a discount up to 10%.
  • Driver Safety – Taking part in a driver safety course could save 5% or more depending on where you live.
  • Memberships – Being a member of a civic or occupational organization may earn a discount on your policy.
  • E-sign – A few companies may give you up to $50 just for signing your application over the internet.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.free Winchester insurance quote

Why some people pay less for insurance in Winchester

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Performance influences rates – The make and model of the vehicle you drive makes a substantial difference in the rate you pay. Economy passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
  • Men are more aggressive – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Your age impacts your rates – Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Young drivers are known to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
  • High crash test scores lower rates – Cars with high safety ratings get lower rates. Safer cars result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you.
  • Drive less and save money – The more you drive in a year’s time the more you will pay for car insurance. The majority of insurers rate vehicles based on their usage. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your car insurance policy properly reflects the correct driver usage.
  • Increase deductibles and save – The deductibles define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Small claims can cost you – If you frequently file small claims, you can look forward to higher rates. Companies in Kentucky provide cheaper rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of larger claims.

Shop online but buy locally

Some consumers would rather buy from a local agent and that is just fine! The biggest benefit of getting online price quotes is the fact that you can find the best rates and still have an agent to talk to. And providing support for local businesses is important especially in Winchester.

Once you complete this quick form, your information is instantly submitted to agents in your area who will compete for your insurance coverage. You don’t have to drive around since price quotes are sent to the email address you provide. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

What type of Winchester car insurance agent is right for you?

When looking for a reputable insurance agent or broker, there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Winchester are either captive or independent.

Independent Agents

Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, you should always contact at least one independent agent to have the most options to choose from.

Below is a short list of independent agencies in Winchester that can give you pricing information.

Lumpkins and Logan Insurance – 184 Shoppers Dr – Winchester, KY 40391 – (859) 744-6102
Hurst Home Insurance Co Inc – – Winchester, KY 40391 – (859) 744-3530

Captive Insurance Agents

These agents are contracted to one company and some examples include AAA, Allstate and State Farm. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are well schooled on the products they sell which helps them compete with independent agents.

Below is a list of captive insurance agencies in Winchester that are able to give comparison quotes.

Allstate Insurance – 740 Bypass Rd # 10 – Winchester, KY 40391 – (859) 745-2683
State Farm Insurance – 19 Linden Ave – Winchester, KY 40391 – (859) 744-4819
Shelter Insurance – 901 W Lexington Ave – Winchester, KY 40391 – (859) 744-8811

insurance quote Winchester

For a complete listing of captive agencies in Winchester, visit this site.

Deciding on an insurance agency requires more thought than just the bottom line cost. Agents should be asked these questions:

  • Does the company allow you to choose your own collision repair facility?
  • Who is covered by the car insurance policy?
  • Do the companies they represent have a solid financial rating?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How long has their agency been open in Winchester?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Which company do they place the most coverage with?

Upon receiving satisfactory answers to all your questions and an acceptable price quote, chances are good that you have found an insurance agency that is a good match to service your policy.

Much more information about car insurance in Kentucky can be read on the website for the Kentucky Department of Insurance through this link. Kentucky drivers can get help finding coverage, read enforcement actions against agents and companies, download brochures, and report car insurance fraud.

Other useful links include this site for rates in Kentucky and this page for help finding agents in Winchester, KY.

More comparisons equals lower rates

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In too many instances, someone dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Cost effective car insurance is definitely available on the web and also from your neighborhood Winchester agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide you the ability to get quotes online and these small insurance companies work with independent agents.