New Methods for Cutting Costs on on Bowling Green Car Insurance

Finding low-cost Bowling Green car insurance over the internet can seem to be somewhat difficult for people who are new to comparing rates online. Because there are so many insurers to choose from, how can anyone possibly compare the different rates to find the lowest rates?

Finding Car Insurance in Bowling Green

When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The recommended way to find the lowest rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for separate quotes to each individual car insurance company. Completing one form will get you price quotes from multiple companies. This is by far the quickest method.
  • A harder way to shop for car insurance online requires a trip to each individual company website to complete their respective quote request forms. For instance, we’ll assume you want to compare State Farm, Liberty Mutual and American Family. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in Bowling Green, click here.

  • The least recommended method to compare rates is driving to and from local insurance agencies. The internet has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed agents. Drivers can price shop your coverage online but still have the advice of a local agent.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples information for each comparison quote. If you enter different deductibles it’s impossible to find the best deal in Bowling Green. Just a small difference in coverage limits can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

The car insurance bait and switch

Companies like State Farm, GEICO and Progressive consistently run television and radio advertisements. All the ads have a common claim of big savings if you change your policy. How does each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the right customer they prefer to insure. For example, a driver they prefer could possibly be over the age of 50, is a homeowner, and drives newer vehicles. A customer getting a price quote who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Consumers who fall outside the “perfect” profile must pay higher rates which leads to business going elsewhere. The ads state “people who switch” not “people who quote” save that much. That is how companies can truthfully make those claims. This illustrates why it is so important to get as many quotes as possible. It is impossible to predict which insurance companies will fit your personal profile best.

These discounts can lower your rates

Companies do not advertise all available discounts in an easy-to-find place, so we break down some of the best known and the more hidden car insurance savings.

  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning a home in Bowling Green may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • No Claims – Claim-free drivers pay less compared to bad drivers.
  • Memberships – Participating in a qualifying organization could qualify you for a break on your policy.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off with certain companies.

It’s important to understand that some credits don’t apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

To choose insurers with discount car insurance rates in Kentucky, click here.

What if I want to buy from a local Bowling Green agent?

Certain consumers would prefer to visit with an insurance agent. One of the best bonuses of comparing rates online is you may find lower rates but also keep your business quote Bowling Green

By using this simple form, your information is sent to companies in Bowling Green who will give you bids for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go straight to your inbox. Now that’s easy! Get lower rates and a licensed agent to work with.

Selecting a company requires more thought than just a low price. Any agent should have no problem answering these questions:

  • Did they already check your driving record and credit reports?
  • Will your rates increase after a single accident?
  • Can they give you a list of client referrals?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are claims handled at the agent’s location?
  • Do they receive special compensation for putting your coverage with one company over another?
  • What are the financial ratings for the companies they represent?

Two types of insurance agencies

When searching for a reputable insurance agent or broker, there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in Bowling Green are classified as either captive or independent (non-captive).

Captive Insurance Agents

This type of agents are contracted to one company like American Family, State Farm and Allstate. They are unable to compare other company’s rates so they have no alternatives for high prices. Captive agencies receive extensive training in insurance sales and that can be a competitive advantage. Consumers often choose to use a captive agent mainly due to high brand loyalty and solid financial strength.

The following are captive agencies in Bowling Green that are able to give rate quotes.

  • Shelter Insurance – 1719 Ashley Cir # 100 – Bowling Green, KY 42104 – (270) 781-5099
  • Allstate Insurance – 1901 Russellville Rd – Bowling Green, KY 42101 – (270) 782-7904
  • State Farm Insurance – 1840 Westen St – Bowling Green, KY 42104 – (270) 842-5556
  • Farm Bureau Insurance – 1382 Campbell Ln – Bowling Green, KY 42104 – (270) 782-1300
Independent Agents

These agents do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.

When shopping rates, we recommend you get quotes from at least one independent agent for the best price selection.Most can insure with different regional companies which can save you money.

The following is a list of independent insurance agents in Bowling Green that are able to give comparison quotes.

  • J C Ninios Insurance – 1005 E 15th Ave # E – Bowling Green, KY 42104 – (270) 842-1522
  • Howard Insurance – 5966 Scottsville Rd – Bowling Green, KY 42104 – (270) 842-5136
  • Jerry Noland Agency – 1060 Shive Ln # A-1 – Bowling Green, KY 42103 – (270) 842-0202
  • Direct General Ins Agency – 1600 Campbell Ln # 104b – Bowling Green, KY 42104 – (270) 796-4080
  • Don Mills Agency – 1240 Ashley Cir – Bowling Green, KY 42104 – (270) 781-3520

To view a full list of Bowling Green insurance agents, visit this site.

Upon receiving satisfactory answers and an affordable coverage quote, most likely you have located an auto insurance agent that meets your needs to properly insure your vehicles.

insurance quote Bowling Green

More detailed Kentucky car insurance information is available at the Kentucky Department of Insurance website. Consumers can view a list of available companies, find disaster information, read consumer alerts, and find a variety of consumer forms.

Other informative sites include this Car Insurance FAQ and this list of agents in Bowling Green, KY.

Final thoughts

Discount car insurance is possible both online and also from your neighborhood Bowling Green agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

In this article, we covered many tips how you can get a better price on car insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a small mutual company.

Consumers who switch companies do it for any number of reasons including policy non-renewal, being labeled a high risk driver, questionable increases in premium or denial of a claim. Regardless of your reason, finding a great new company can be pretty painless.