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.
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.
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.
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.
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.
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.
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 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
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
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:
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.
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.