Quote Shelbyville Kentucky Car Insurance at a Discount With These Tips

Purchasing the lowest cost Shelbyville car insurance over the internet can seem to be rather challenging for consumers new to shopping for insurance online. With such a large number of online companies available, how can Shelbyville drivers effectively compare every one to find the lowest price?

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. The purpose of this post is to introduce you to how to get online quotes. But Kentucky car owners do need to understand the way insurance companies sell online because it can help you find the best coverage.

Finding Car Insurance in Shelbyville, KY

Most major insurance companies like Allstate and Progressive quote coverage prices on their websites. Getting quotes is fairly simple as you simply enter the amount of coverage you want into the quote form. Behind the scenes, the company’s rating system collects your driving and credit reports and returns a price quote based on many factors.

Online quotes makes comparing rates easy, but the time it takes to visit a lot of sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find lower prices.

A quicker way to lower your rates uses one simple form that analyzes rates from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After sending the form, it gets priced and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you can click and sign and purchase coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.

To save time and find out if lower rates are available, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you input deductibles and limits identical to your current policy. This way, you will be getting a rate comparison based on similar coverages.

Don’t be fooled by advertising claims

Allstate and Progressive continually stream television and radio advertisements. All the companies say the same thing about savings after switching your coverage to them. How does each company make the same claim? This is how they do it.

All companies have a certain “appetite” for the type of customer that earns them a profit. For example, a desirable insured might be profiled as between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. Any driver who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile will have to pay more money and this can result in business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently state the savings.

Because of the profiling, it is so important to get as many quotes as possible. It’s not possible to predict the company that will give you the biggest savings.

Learn How to Lower your Rates

It’s important that you understand the factors that go into determining your car insurance rates. Understanding what determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

Listed below are some of the factors that factor into rates.

  • Better credit means lower rates – Your credit score is a important factor in calculating your car insurance rates. Therefore, if your credit is lower than you’d like, you could save money insuring your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
  • Where you reside plays a part – Being located in less populated areas can save you money when it comes to car insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large Kentucky cities have to deal with traffic congestion and much longer commute distances. More time on the road can result in more accidents.
  • Liability coverage protects you – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for damages from an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Tickets mean higher rates – Even one ticket can increase rates twenty percent or more. Good drivers receive lower rates compared to drivers with tickets. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state DMV in order to keep their license.
  • Rate your vehicle for proper use – The more miles you rack up on your car every year the more you will pay for car insurance. Most insurance companies charge to insure your cars based on their usage. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance policy is showing how each vehicle is driven.
  • Extra add-on coverages are wasting money – There are quite a few extra bells and whistles that you can buy on your car insurance policy. Things like personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but now you might not need them so remove them from your policy.

Take discounts and save

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specially asked for before you get the savings.Auto insurance in Kentucky

  • Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company could earn a price break for each car.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Low Mileage – Fewer annual miles can qualify you for a substantially lower rate.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will bring down your overall premium however.

To see a list of companies with the best car insurance discounts in Kentucky, click this link.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions might point out whether or not you could use an agent’s help.

  • When should I not file a claim?
  • Am I covered if I crash into my own garage door?
  • Do I need PIP coverage since I have good health insurance?
  • How do I file an SR-22 for a DUI in Kentucky?
  • Do I need added coverage for expensive stereo equipment?
  • What discounts do I qualify for?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Your insurance agent down the street

Certain consumers just want to talk to a local agent and that is a personal choice. One of the great benefits of comparing rates online is the fact that you can find the best rates but still work with a licensed agent. Supporting local businesses is important especially in Shelbyville.

To help locate an agent, after submitting this quick form, your insurance coverage information is submitted to participating agents in Shelbyville who will compete to get your business. There is no reason to drive around due to the fact that quote results will go to your email. It doesn’t get any easier! Get lower rates and work with a local agent.

Compare rates from both independent and captive auto insurance agents

When looking for a reputable insurance agent or broker, you need to know there are two types of insurance agents to choose from. Insurance agencies in Shelbyville are either captive or independent (non-captive).

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.

When shopping rates, it’s a good idea to contact at least one independent agent to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies which can save you money.

Listed below is a list of independent agencies in Shelbyville that may be able to provide price quotes.

  • Farm Bureau Insurance – 1201 Mount Eden Rd # 201 – Shelbyville, KY 40065 – (502) 633-2310
  • Turner Insurance – 803 Taylorsville Rd – Shelbyville, KY 40065 – (502) 633-6060
  • Armstrong Agency Inc – 721 Main St – Shelbyville, KY 40065 – (502) 633-2247
Captive Insurance Agents

These agents can only write with one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot give you multiple price quotes so always compare other rates. Captive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

The following are captive insurance agencies in Shelbyville that can give you price quotes.

  • Shelter Insurance – 324 Main St # 1 – Shelbyville, KY 40065 – (502) 633-4827
  • State Farm Insurance – 182 Old Seven Mile Pike – Shelbyville, KY 40065 – (502) 633-0051
  • Farm Bureau Insurance – 1201 Mount Eden Rd # 201 – Shelbyville, KY 40065 – (502) 633-2310

To view a complete directory of captive insurance agents in Shelbyville, visit this site.

lower rates in Shelbyville Kentucky

Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:

  • How often do they review policy coverages?
  • Are they able to influence company decisions when a claim is filed?
  • Is the agency involved in supporting local community causes?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Which members of your family are coverage by the policy?

Once you have received satisfactory answers for all questions you ask in addition to an acceptable price estimate, you may have just found an insurance agency that can adequately provide car insurance.

Best coverage at the best price

When shopping online for car insurance, you should never reduce coverage to reduce premium. In many instances, an insured dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Budget-conscious car insurance can be purchased from both online companies and with local Shelbyville insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

You just read some good ideas how to shop for car insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may even discover the biggest savings come from a lesser-known regional company.

Additional information is available on the Kentucky Department of Insurance website. Click here for link. Visitors are able to learn about insurance regulations, read enforcement actions against agents and companies, view a list of available companies, and report car insurance fraud.

Other useful links include Wikipedia and QuoteClickSave.com.