New Methods for Buying Covington Kentucky Auto Insurance for the Lowest Rate

Searching for the lowest cost Covington auto insurance on the internet can be rather challenging for people who are new to online price comaprisons. With so many choices of online companies available, how can consumers even start to compare every company to locate the lowest price?

You should make it a habit to compare prices yearly since insurance rates are usually higher with each renewal. Just because you had the lowest price six months ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance online, so by reading this article, you’re going to learn some great ideas on how to put money back in your pocket.

Finding affordable coverage in Covington is easy if you know what you’re doing. If you have a current auto insurance policy or need new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. Kentucky consumers only need to know the proper methods to get comparison quotes online.

How to Get Covington Auto Insurance Comparison Quotes

All major auto insurance companies like GEICO, State Farm and Progressive quote insurance quotes on their websites. The process is pretty painless as you just type in your personal and coverage information as requested by the quote form. Behind the scenes, the company’s rating system obtains credit information and your driving record and gives you a price quote.

This makes comparing rates easy, but the time required to go to multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find better auto insurance pricing.<img class="alignright" style="padding-top:15px" src="" alt="Auto insurance in Kentucky” />

Quote rates the easy way

The preferred way to lower your rates is to use a quote form to return rates from multiple companies. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can choose your choice of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

If you want to compare rates using this form now, click here to open in new window and enter your information. If you currently have coverage, we recommend you replicate the coverages identical to your current policy. This ensures you will have an apples-to-apples comparison for similar insurance coverage.

Lots of discounts mean lots of savings

Companies that sell car insurance do not list every discount in an easy-to-find place, so we break down some of the best known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit available, you are paying more than you should be.

  • Senior Discount – Older drivers may qualify for a small decrease in premiums.
  • Low Mileage Discounts – Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
  • Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accidents.
  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.

It’s important to understand that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

Auto insurance in Kentucky

Kentucky auto insurance information

Even more information is available at the Kentucky Department of Insurance website. Visitors are able to download brochures, find out industry alerts, and find out which companies have the most complaints.

Additional helpful sites include Auto Insurance 101 and this list of insurance agents in Covington, KY.